Roth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?”

Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower Medicare premiums and Social Security taxation, and provide insulation from future tax increases. Yes, there can be short-term friction — higher taxable income or temporary IRMAA surcharges — but for many households, those are time-boxed issues in exchange for long-term control, certainty, and tax-free wealth.

By now, many have heard of the Silver Tsunami—the wave of baby boomers who currently or will shortly need some form of long-term care. This is a reality to the vast majority of retirees—now or in the future—will face. Unfortunately, most have not planned for it—either overlooking it or not being informed on the best choices for their situation. Make no mistake: long-term care planning is part of your retirement planning, whether you actively plan for it or not.

Modern advances in long-term care options have largely done away with the “use-it-or-lose-it” type of coverage that gives so many retirees understandable consternation. Further, the choice to “self-insure”—even for those that truly can afford it—is no longer good math with newer planning options. In this episode, we explore these modern approaches and give real-world case studies to demonstrate the advantages of modern long-term care planning.

When creating a retirement strategy, remember the acronym P.L.A.N.

Predictability - value predictability over potential

Low-correlation - strive include strategies and asset classes that do not require the market to perform in order for you to succeed

Alignment - ensure that each component of you strategy reinforces and compliments the others rather than (unknowingly) creating friction

Net-income - choosing tax-free/efficient strategies in place of tax-deferred/hostile strategies can be the difference between a retirement of plenty and one of scarcity

Also, follow along in our case study where we demonstrate P.L.A.N. in action and create 5 streams of tax-free income while increasing potential net-spendable income by 59%.

Why does 90% of wealth disappear by the 3rd generation? What causes 70% of wealth transfer from one generation to the next to fail? For those that create multi-generational wealth and maintain family harmony, what principles and practices do they adhere to? The answer is a shocking as it is simple. In this episode, we discuss what research and high net-worth advisors all observe amongst the wealthiest and their successes and failures in maintaining the family wealth. We also lay out a blueprint anyone can follow to foster multi-generational wealth.

The "Retirement Red Zone" describes the critical 4-5 years BEFORE and AFTER you retire. The order of your returns during that critical period are more important than your long-term average, no matter how good your average rates of return might turn out to be. In this episode, we give real world examples that demonstrate how wise management during Retirement Red Zone can be the difference-maker in whether or not your retirement is golden or nail-biting. We also tackle the Great Wealth Transfer that is underway and how to create a legacy that lasts throughout the generations.

Major updates and impacts are happening in the retirement landscape. Social Security cost of living adjustments, Medicare premium increases, IRMAA surcharge increases, and new taxes. How are you affected, and how you best navigate the landmines? We also explore how create a guaranteed tax-free foundation of income throughout retirement that avoid social security taxation and IRMAA surcharges on Medicare.

A confluence of factors must come together to create a resilient portfolio:

1. Market risk mitigation

2. Income predictability and maximization

3. Tax-efficiency

When all three come together in harmony, the result is a resilient portfolio that can withstand many of the toughest challenges retirees face. In this episode, we dive in elements to make your portfolio more resilient as well as discuss the importance of the critical "Retirement Red Zone".

What creates wealth, and what prohibits or even destroys wealth? It is surprising to many that the answers have less to do with rate of return and how much money you make. Rather, focus, perspective, and habit are often the differences between having and maintaining wealth and not. In this episode, we explore the 7 keys to wise financial stewardship.