When You're Dead & Gone… the IRS gets a second chance at your money — and your family pays the price.

If you're 45+ with a sizable pre-tax nest egg, there's a tax trap most advisors never mention — and by the time it hits, you won't be here to fix it. Here's what's coming, and how to stop it.

Fix This Now →

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Just a few of the messages Gavin gets every week.

“Thank you for what you’re doing. I really appreciate your help — and I believe I meet the criteria.”

Santoshi K. · via Instagram

“The best information I’ve ever received about taxes. I’ve paid a fortune to tax companies for years and never felt like I got any of this.”

Marn N. · via Instagram

“Your content is great. I’m 57 and semi-retired with a substantial IRA, and I need a strategy for tax-efficient income.”

Ann O. · via Instagram

Important This page is general educational information only. It is not tax, legal, investment, or financial advice, and it does not create a client relationship. No specific outcome, tax saving, or result is promised or guaranteed. Every person's situation is different — consult a qualified professional before acting. Not affiliated with, endorsed by, or sponsored by the IRS, the Social Security Administration, Medicare, or any government agency. Not part of the Meta Platforms, Inc. (Facebook/Instagram) site or network. © 2026 Gavin Larnard. All rights reserved.