❓Find out the impact of RMDs on your retirement:
https://q3.link/rmd-calculator
Webinar: How The Big Beautiful Bill Changed Everything - http://learn.craigwear.com/op/obbb
Most CPAs and advisors will tell you to “just convert your IRA up to the top of your current tax bracket and stop.” Sounds safe, right? Unfortunately, that advice is wrong — and it could cost you millions over your lifetime.
In this video, I’ll show you why “filling the bracket” rarely works, and how smart IRA millionaires approach Roth conversions differently:
🚀 Why small conversions don’t reduce your IRA balance
💡 The real solution: converting faster and at higher brackets
📊 Case studies of clients who saved millions in taxes
🎯 How to secure lifetime tax-free income for you (and your heirs)
If you’re sitting on $1M+ in an IRA, this is a game you cannot afford to play the wrong way.
🔑 Takeaways
Converting just to the top of your current tax bracket doesn’t shrink your IRA.
Small conversions = growing balances = bigger RMDs + tax headaches.
✅ The real solution: convert larger amounts in fewer years.
Yes, it feels painful to go into higher brackets, but it saves millions long term.
Many clients convert into the 32% or 35% bracket to win big.
Done right, Roth conversions eliminate RMDs and create lifetime tax-free income.
Always run the numbers — don’t settle for advice that just “feels safe.”
🎤 Soundbites
“Converting to the top of your bracket feels safe… but it fails you later.”
“Unless you move significant dollars, your IRA will grow faster than you can convert.”
“Sometimes the only way to win is to go into higher tax brackets.”
“We’re talking about millions of dollars in legally avoided taxes.”
“Don’t play it safe — play it smart.”
📖 Chapters
00:00 – This Retirement Mistake Can Cost You Millions
00:49 – The problem
01:14 – The objective of Roth conversions
01:25 – The solution
02:47 – IRA millionaires
Fun words:
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