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.