The planning years between 65 and 72 — and why almost no one uses them well.
Gap Years
The math the IRS won't let you skip Joe sat across from me, proud of his spreadsheet. He had mapped out a five-year Roth conversion plan, aiming to fill his lower tax brackets between retirement and age 73, just like we discussed before. The numbers were straightforward
Roth Conversions & Gap Years
Why the calmest stretch after you stop working often sets up the biggest pressure later
IRMAA & RMDs
The three-layer system that removes the need to depend on markets cooperating at exactly the right time
investment portfolio
Why the real risks show up in years 10 to 25 and how to keep income steady for 30 years
IRMAA & RMDs
The Gap Years Mistake
IRMAA & RMDs
If you’re 55-75 with retirement accounts, the OBBBA just raised your future tax bill. Not because of what it did to tax rates today. But because it increased tomorrow’s deficits. Deficits today mean tax hikes on visible wealth tomorrow. This is a matter of math, not politics.
