For people with real money and good people already, who’d rather know what they need before they hire anyone else.
How to find out which one is yours, what to check first in it, and what to look at before your next move. Before you hire anyone, including us.
Twelve questions. Four minutes. Your result on screen, and the guide for it in your inbox.
Illustrative estimate only. Actual required minimum distribution (RMD) timing varies by account type and individual circumstances. Tax-planning opportunities may exist before and after RMDs begin. This calculator does not provide personalized financial or tax advice.
That's how many Decembers you have to decide on purpose. Eight or more, you have time. One to seven, one of them is this one. Zero or less, the window's closed. Keep the number. The rest of this page is about it. Nothing you type here is sent anywhere.
How this is counted: the year required withdrawals generally begin under current federal tax rules, set by your birth year (73 if born 1951 to 1959, 75 if born 1960 or later), minus the year you enter in A. If that year has already passed, the count includes Decembers already behind you. Some workplace plans start later, and a first required withdrawal can generally wait until April 1 of the following year. Tax rules change over time, and future requirements may differ from today's.
You did what careful people do.
Someone manages the investments. Someone does the taxes. Someone drew up the trust, or will. If you said yes to two of those, you’re in the right place.
And if you’ve ever wondered whether anyone is looking at the whole thing at once, that’s not a nagging feeling. It’s a fair question. And it isn’t your fault nobody answered it.
Here’s how I know.
Rem Oculee, Founder and CEO
I own a dozen or so companies and partnerships. An outside CPA firm does my personal return and every one of those entity returns. Serious people. I’d hire them again tomorrow.
In all those years, the whole investment conversation between my CPA and me has been one sentence. “Put more in your 401(k).”
My estate attorney built my plan. It isn’t a simple one. I’ve never asked him an investment question, and he’d never offer an opinion on one.
None of that is a flaw in them. Here’s what it taught me.
A CPA is hired to apply the tax code to a year that’s already over. An attorney is hired for the day you sign.
Two good people. Two different moments. And nobody is hired for the moment before the money moves. Call it “before.”
So I built “before” for my own money first. Meaningful financial decisions, looked at through all three lenses, investment, tax, and estate, before they happen.
It isn’t a product, and it isn’t a deep mystery.. It’s a question asked at the right time, three ways. Then I built a firm around it. That’s the whole firm.
Here’s the part your statement doesn’t show.
The year your paycheck stops, your income usually drops. The year you turn 73, or 75 if you were born in 1960 or later, the tax code makes you start taking money out of your pre-tax IRA or 401(k), whether you need it or not. The code doesn’t ask whether you need the money. It has a date.
The years in between can offer a valuable tax-planning window. It’s easy to miss when nobody shows you what to look for. And it closes one December at a time.
That number is yours. Nobody on this page handed it to you.
Here’s the good news.
Whatever your number, the thing to check has a name. And it’s usually still open while the date is ahead of you.
The scan sorts you into one of three.
For many people, the most valuable years they’ll have. What’s often missing: knowing when required withdrawals start, roughly how large they’ll be, and how much room there is at today’s rates.
What’s often missing: a written, year-by-year plan for which account funds your life, so this year’s habit doesn’t quietly design the most expensive years later.
What’s often missing: someone looking at the tax year it lands in, the timing, the titling, and where the proceeds go. In writing, before the deal closes.
Each result comes with a guide that works the example on paper. The examples are illustrations, not anyone’s real year.
And two more checks run on any result, if your answers call for them. Whether your estate documents and your beneficiary forms still agree, because a form can quietly overrule a document. And whether anyone is responsible for before.
Confidence Wealth Management is an independent, SEC-registered investment adviser, founded in 2002, with offices in West Los Angeles, Torrance, and Henderson, Nevada. As a registered investment adviser, it has a fiduciary duty to act in clients’ best interests when providing investment advisory services.
The team’s designations include CFP®, CFA, CPA, RICP, CAIA, CLU, ChFC, AEP, CEP, CES, and TPCP.
The scan runs on dates and rules that are public. 73 and 75. December 31. The two-year Medicare lookback. Who a beneficiary form pays. None of that is our opinion. It’s in the tax code.
The firm’s approach is written down in a book, Wealth Confidence, by Crystal Oculee of Confidence Wealth Management.
It asks which describes you best. Where Social Security and Medicare stand. Whether a big move is coming. Where most of your savings sit.
Whether you have a written order for which account to draw from first. Whether you know when your required withdrawals start. How you give.
Who checks a big move before it happens. When your estate documents and beneficiary forms were last read together. How you feel about your plan. And what you’d want next.
If you can answer “which describes you best,” you can finish it. It sorts by situation, not by size, so it never needs a balance. Your result shows on the last screen.
Imagine the next conversation about your money. With your CPA. With your attorney. With us. You already know your number, your situation, and the first thing to check in it. You ask the questions. Nobody has to tell you what you need.
Twelve questions, three parts. Your result on screen at the end.
Your result and the guide for it, so you have it in writing.
After your result and a conversation with one of our advisors. One page, written to you, from three ranges you share in that conversation: roughly your age, your income band, and how much sits in pre-tax accounts. Ranges, so the page is about your bracket and not the example’s. It names the planning consideration in your result your advisor thinks is most worth examining, and where a review would start. Signed by the advisor who wrote it. How soon it reaches your inbox depends on that conversation.
A video call with the advisor. You don’t need to bring anything. No obligation. Read next to your CPA and your attorney, not instead of them. If you’re already set up the way the tax code favors, they’ll say so.
It’s how we find out who we can help and who we can’t, without wasting your afternoon or ours.
Most of the value is in step one. Nobody will push you to step four.
The scan will be here. Nothing on this page is limited.
Your dates won’t move, though. 73 or 75 is set by the year you were born. December 31 closes this year’s bracket. A contract closes on the day it closes. Every one of those passes whether anyone looked at it or not.
The scan is free. The guide is free. Wealth Scan+ is free. The review carries no obligation.
You keep your CPA. You keep your attorney. Nobody has to be fired to find out where you stand.
The result describes what people in your situation often haven’t checked yet. If you already have, you’ll know in one read. And if the review finds you’re set up the way the tax code favors, that’s what it says. Some people are.
Who it isn’t for. If your money is simple, or someone already reads your big moves through all three lenses before it happens, you don’t need this.
And if what you want is a one-time answer to carry back to your current people, the scan gives you that. The review doesn’t. The review is for people who want “before” handled for years, not once.
There are no fees for the Wealth Scan Review or the discovery process. Advisory fees apply only if you decide to work with CWM and sign an advisory agreement, as described in our Form ADV.
Twelve questions. About four minutes. Nothing to look up and nothing to send. Your result shows on the last screen, and the guide for it lands in your inbox.
Do it now, while the Decembers you counted are still in front of you.
Prefer a person? Call (310) 824-1000, Monday to Friday, 9 to 5.
P.S. If you’re going to close this tab and come back to it, you won’t. Not because you don’t care. Because nothing is due today.
That’s the whole problem with the window. Nothing is ever due today. Then it’s December. Then it’s 73.
The scan takes four minutes. Your number took thirty seconds. Finish the job.
P.P.S. The short version. Your money is in one of three situations. Each one has a different thing to check first. Twelve questions tell you which. Your result on screen, the guide in your inbox.
Then, only if you ask for it, Wealth Scan+: one page written to you by an advisor. And a review next to your CPA and attorney, not instead of them. No obligation at any step.
HAVE QUESTIONS? CONTACT US.
(310) 820-4411 ・ icwm.com・ [email protected]
© 2026 Confidence Wealth Management, Inc. All rights reserved.
Confidence Wealth Management, Inc. (CWM) is an SEC registered investment adviser. Confidence Wealth & Insurance Solutions, Inc. (CWIS) is licensed under the NV Department of Insurance, license no. 3647322. CWM and CWIS are two separate affiliated companies. All investment advisory services are provided by CWM and all insurance products and services are provided by CWIS. CWIS does not provide any investment advisory services and CWM does not provide insurance services. CWM and CWIS have no affiliation with government, state, or local agencies. Consult with an attorney or CPA for usage of tax or legal concepts. This material may contain information that are close approximation to the totality of information available to us and not necessarily specific within regards to one situation or another. Some opinions and statements are informational. They are not investment advice as they may not be complete in terms of all details needed to affect an action you wish to undertake, investment strategy or plan. Pursuant to IRS Circular 230, the material is not intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. No estimates used are a promise of return. Also, many opinions are summaries and may not reflect all pertinent facts relevant to you. Any information given is to be considered general, and nothing said herein should be used as a basis for investment decision unless you consult with your Confidence Wealth advisor that can understand your unique situation and give you a customized solution with a complete disclosure. Past performance does not indicate future results. As you know, no one can predict the future. Thus, any forecast in this material is intended strictly as a possible future outlook and not a statement of fact as there could be any scenarios that are not in your favor when making a decision. You must examine all adverse and negative implications on any forecast when made. All information is based on the date of the material and may not be valid, may change, and/or may not be true any longer as time passes.
Form ADV Part 2A for CWM contains detailed disclosures regarding our services and fees, along with applicable conflicts and how we address such conflicts. A copy of our Form ADV can be obtained by calling (310) 824-1000 or from adviserinfo.sec.gov
Confidence Wealth
South Bay, CA: 21250 Hawthorne Blvd Suite 500, Torrance, CA 90503
West Los Angeles, CA: 10940 Wilshire Blvd Suite 600, Los Angeles, CA 90024
Henderson, NV: 170 S. Green Valley Parkway Suite 300, Henderson, NV 89012
