You have an advisor. Do you have a retirement tax plan?
The full walk, in order: Roth timing, rising RMDs, the Medicare cliff, the survivor’s trap, the 10-year rule, and the five questions to ask before saying yes to anything.
Read the guide →You converted this year. The bill lands in 2028.
The IRMAA two-year lookback, what counts as MAGI, and when Form SSA-44 can — and can’t — help.
Read →Same income. Half the brackets.
The widow’s penalty: what the survivor keeps, the three lines that cut in half, and why the joint-filing years are the window.
Read →Ten years to empty it — and a bill every year inside.
The 10-year rule, the 2024 annual-withdrawal surprise, who’s exempt, and why an inherited Roth plays by gentler rules.
Read →Born in 1959? Congress gave you two RMD ages.
The SECURE 2.0 drafting glitch, the IRS fix, what the two-year gap is worth, and the April 1 trap inside the first year.
Read →There are two Roth 5-year rules. Almost everyone conflates them.
One clock guards earnings from tax, another guards conversions from penalty — and after 59½, only one usually matters.
Read →One withdrawal. Forty cents on the dollar.
The 2026 thresholds, the combined-income formula, and the phase-in math planners call the tax torpedo.
Read →$6,000 off your taxes at 65 — until income takes it back.
The new senior deduction, the 6-cents-per-dollar phaseout, and the two big numbers it doesn’t touch.
Read →Same ten years. Two different inheritances.
Whose bracket pays the tax on your IRA — yours in the window, or your heir’s at peak salary?
Read →How to fill out a 1031 45-day identification form.
The three identification rules, the two unforgiving deadlines, what makes a notice valid — and a free fillable template.
Read →Then see your own numbers.
Your brackets, your IRMAA headroom, your RMD clock — free, in about 3 minutes.
Open the free calculator →