100% Free LIVE Training Reveals:
Do you knowWhat tax bracketYou are in?
I am breaking down exactly how it HITS your RETIREMENT.
Even if you already max out your 403(b), work with an advisor, or have never once thought about what taxes look like after you stop working.
Tuesday, September 22, 2026 at 5:00 PM PDT
🚨 Show up LIVE to claim your FREE GIFT! 🎁 🚨
High Income.Higher Bracket.Hidden Tax Bill.
Your bracket today is not the one that bills you later.
Years of disciplined saving into tax deferred accounts feels like progress, and it is. What it also does is move the tax bill forward rather than remove it.
When withdrawals begin, that deferred balance is taxed as income. Add a pension, Social Security, and required distributions on top of it, and plenty of retired clinicians land in a bracket no lower than the one they worked in.
The plan was never wrong. It was only ever half finished.
I am not going to pretend I saw this coming.
For years I did exactly what every nurse is told to do. Pick up the extra shifts, max out the 403(b), keep my head down, and trust the math takes care of itself. On paper it was working.
Then I sat with a colleague who had just retired after thirty-one years. She had done everything right. She was also stunned at what her first full year of withdrawals actually cost her. Nobody had walked her through the tax side of retirement, and by the time it mattered, most of her options had already closed.
That conversation is the reason this training exists.
Now...
I stopped guessing at my effective rate and started planning around the real number
I changed where new savings go, not just how much of it there is
I stopped assuming my bracket would drop the day I stopped working
17
Years in nursing
2,400+
Professionals trained
60
Minutes, no upsell
Your hosts
Monique Ruiz, RN
Host and Founder, RNC Elite Group
Nurse turned founder, working with healthcare professionals on the financial side of a clinical career.
Lady Michelle Bautista
Speaker, RPT, RN, FAACM, NCDDPT
Clinician and educator focused on the retirement gaps that show up late in high earning healthcare households.
Healthcare professionals who already sat through it
Nineteen years in the ICU and I genuinely thought I was set. Monique showed me the gap between my marginal and effective rate in about ten minutes, and I realised I had been planning around the wrong number the entire time.
Marisol Aguinaldo, RN
ICU, Sacramento CA
I went in braced for a sales pitch and got an actual education. Nobody had ever explained what happens when my pension, Social Security, and my 403(b) all land in the same tax year.
Denise Okonkwo
Nurse Practitioner, Houston TX
I make good money and I had never once read my own tax return past the refund line. That session changed how I am thinking about the next fifteen years.
Grant Whitfield, CRNA
Charlotte NC
My husband and I both work in healthcare. We had been maxing out our deferred accounts for a decade thinking that was the plan. Turns out it was half the plan.
Priya Raghunathan, RN
Case Management, Edison NJ
Sixty minutes, no filler, and I left with three things I could actually act on before the end of the year.
Tomas Delacruz, RN
Perioperative, Las Vegas NV
I have sat through a lot of free trainings that turned out to be ninety minute commercials. This was not that.
Bernadette Cruz-Alonzo
Nurse Manager, Daly City CA
Tuesday, September 22, 2026 at 5:00 PM PDT
🚨 Show up LIVE to claim your FREE GIFT! 🎁 🚨
Here is everything you are going to learn
Your real rate is not the number on the chart
Most people plan around the wrong number entirely. We will find yours in about ten minutes, and you will see straight away why the gap between the two changes what every strategy is actually worth to you.
What happens when it all lands in the same year
Your pension, your Social Security, and your required distributions do not politely take turns. I will show you what that looks like on paper, and why so many retired clinicians end up in a bracket no lower than the one they worked in.
The levers you control, and the ones that quietly close
Timing, account type, and withdrawal order shape your lifetime tax bill more than fund selection ever will. Some of these stay open for decades. Others shut without telling you. You will leave knowing which is which.
This session is for you if
You are making really good money but have never actually seen your own effective tax rate written down.
Your retirement savings are mostly sitting in tax deferred accounts, and nobody has explained what that actually means on the day you start withdrawing.
You have a nagging feeling there is a gap somewhere in taxes, protection, or legacy, but you could not say exactly where.
You would rather find it now, while there is still time to fix it, than the year it finally bills you.
Show up live and get this completely for
Free!
Your Free Gift 🎁
We map your marginal rate, your effective rate, and the gap between them, and you keep it. Yours free, just for showing up.
Plus... 👀
Everyone on the live call can ask their own situation directly in the Q and A. That part never makes it into the replay.
Live attendees only. It does not go out with the recording.
Before you register
It is free, and there is nothing to buy on the call. You will get sixty minutes of the actual material and an open question and answer at the end.
Monique Ruiz, RN
Host and Founder, RNC Elite Group
The high income retirement problem
A free live training for healthcare professionals
🚨 Show up LIVE to claim your FREE GIFT! 🎁 🚨