In-depth analysis on Roth conversion timing, RMD planning, IRMAA cliffs, sequence-of-returns risk, and the math behind tax-free retirement. Long-form posts for pre-retirees with $500K+ in retirement accounts.
Required Minimum Distributions force you to withdraw from your IRA whether you need the money or not. Learn how RMDs can push you into higher tax brackets, trigger IRMAA surcharges, and erode your retirement plan.
Sequence of returns risk is the single biggest threat to your retirement. Learn how a market crash in your first years of retirement can permanently damage your portfolio — and what to do about it.
Most retirement plans are built for a 20-year horizon. But with life expectancy rising, you may need your money to last 30+ years. Learn how longevity risk changes the Roth conversion calculus.
Use our calculators to model your specific situation, or schedule a strategy call to walk through your situation with a Roth specialist.