Why Your CPA Probably Hasn’t Talked to You About Roth Conversions (And Why That Could Cost You)
There’s a tax bomb sitting in your IRA, and your CPA isn’t going to defuse it. Tax preparation minimizes this April. Tax planning minimizes the next 30 years. Here’s the bracket budget strategy and the IRMAA two-year lookback rule that saves six figures — and the survivor tax trap most people never see coming.
The Roth Conversion Conversation I Have With Almost Every Client
The years between your last paycheck and age 73 are the most valuable stretch of your financial life. A well-executed Roth conversion strategy during this window can save Texas families six figures in lifetime taxes.
Last-Minute IRA Moves Before April 15: What Retirees Still Have Time to Do
April 15 is coming, and it’s not just a tax filing deadline. If you’re retired or nearly retired, you may still have time to make a 2025 IRA contribution — and the tax ripple effects go further than most people realize.
Roth Conversions Before Retirement: Why the 5 Years Before You Retire Matter Most
The 5 years before retirement are a golden window for Roth conversions. A DFW CFP® explains how converting at the right time can reduce your future tax burden and give you more flexibility in retirement.