Resources

Guides & Whitepapers

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Each guide is written by the PCG team and designed to help you navigate complex financial decisions with clarity.

Retirement Income Planning Guide

A comprehensive framework for building a sustainable retirement income strategy — covering Social Security, RMDs, portfolio withdrawals, and tax efficiency.

PDF GuidePCG Research

Roth Conversion Framework

Learn when a Roth conversion makes sense, how to calculate your break-even point, and strategies to minimize the tax cost of converting.

PDF GuidePCG Research

RMD Strategy Checklist

A step-by-step checklist for managing Required Minimum Distributions — including QCD strategies, aggregation rules, and coordination with your tax plan.

PDF ChecklistPCG Research

Social Security Timing Guide

Understand the financial impact of claiming Social Security at 62, 67, or 70 — with break-even analysis and spousal benefit coordination strategies.

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Tax-Efficient Investing Overview

How asset location, tax-loss harvesting, and account type selection can meaningfully improve your after-tax investment returns over time.

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Estate Planning Basics

A plain-language guide to wills, trusts, beneficiary designations, and the key estate planning conversations every family should have.

PDF GuidePCG Research

Solo 401(k) Guide for Self-Employed

Everything self-employed professionals need to know about Solo 401(k) contribution limits, Roth options, and maximizing tax-deferred savings.

PDF GuidePCG Research

Interactive Tools

Financial Calculators

Use these tools to explore retirement projections, tax scenarios, and investment outcomes based on your own numbers.

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Annual Return (%)

Projected Balance

Total Contributed

Investment Growth

Years to Retirement

For illustrative purposes only. Does not constitute investment advice. Provident Capital Group LP is a Registered Investment Adviser.

IRA Balance ($)

Current Tax Rate (%)

Retirement Tax Rate (%)

Years Until Withdrawal

Annual Return (%)

Traditional (after-tax)

Roth (after-tax)

Conversion Tax Cost

Roth Advantage

For educational purposes only. Roth conversion decisions depend on many individual factors. Consult a qualified tax advisor. Provident Capital Group LP is a Registered Investment Adviser.

Current Age

Account Balance ($)

Annual Return (%)

Years to Project

Year 1 RMD

Total RMDs (projected)

Age	Year	Beginning Balance	RMD Amount	Ending Balance

Uses IRS Uniform Lifetime Table III. Consult your tax advisor for exact RMD amounts. Provident Capital Group LP is a Registered Investment Adviser.

Initial Investment ($)

Monthly Addition ($)

Annual Return (%) 7%

Years 20

Final Balance

Total Invested

Interest Earned

For illustrative purposes only. Past performance is not indicative of future results. Provident Capital Group LP is a Registered Investment Adviser.

Current Age

FRA Benefit ($/mo)

Life Expectancy

Claim at 62 (lifetime)

Claim at 67 (lifetime)

Claim at 70 (lifetime)

Simplified projections only. Actual benefits depend on your earnings record. Provident Capital Group LP is a Registered Investment Adviser.

Portfolio Balance ($)

Gross Annual Return (%)

Fee A (%) 1.00%

Fee B (%) 0.75%

Years 25

Balance at Fee A

Balance at Fee B

Difference

For illustrative purposes only. Provident Capital Group LP is a Registered Investment Adviser.

Taxable Income ($)

Filing Status

Total Tax

Effective Rate

Marginal Rate

After-Tax Income

Bracket	Rate	Income in Bracket	Tax in Bracket

Based on 2024 federal income tax brackets. Does not include state taxes or itemized deductions. Provident Capital Group LP is a Registered Investment Adviser.

Question 1 of 5

For educational purposes only. Provident Capital Group LP, (678) 842-8776 ext. 705.

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