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The Institute publishes independent research on how U.S. tax policy creates structural exposure inside the assets people spend their lives building. These findings are a public resource. When someone is ready to act on them, the Institute connects them with the right people.

Featured Publication

Now Available

Report · 2026

Retirement Tax
Exposure Report

Three structural failures compounding annually inside qualified retirement plans — documented and explained. The first publication from IUW Research.

Type Research Report Published 2026 Pages 18

Key Finding

Americans hold $48.1 trillion in retirement assets. The majority sits inside qualified plans subject to three structural tax failures operating silently, simultaneously, and in full compliance with U.S. tax code.

01 The Ordinary Income Trap

All qualified withdrawals taxed at ordinary income rates

02 The Forced Distribution Mechanism

Mandatory withdrawals beginning at age 73, escalating annually

03 The Inherited Account Compression

The 10-year rule eliminates the generational tax benefit

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The content provided on this website, including any articles, press releases, or educational materials, is intended for general informational purposes only. It should not be interpreted as tax, legal, or financial advice. The Institute of Untaxable Wealth does not offer tax preparation, legal counsel, or financial advisory services. Visitors are strongly encouraged to consult with qualified tax professionals, attorneys, or financial advisors before making any decisions based on the information presented here.