❓Find out the impact of RMDs on your retirement:
https://q3.link/rmd-calculator

You NEED To Do This If You’re Retiring in the Next 5 Years

If you're planning to retire in the next five years, this video is a must-watch. I’ll walk you through why this period might just be your golden window for Roth conversions—and why waiting until after retirement might cost you thousands in unnecessary taxes.

In this video, I explain why many retirees think they'll be in a lower tax bracket—but often aren't—and how strategic conversions before Social Security and Required Minimum Distributions (RMDs) kick in can dramatically reduce your long-term tax liability.

I also touch on key considerations like ACA health subsidies, IRMAA brackets for Medicare, capital gains stacking, and how layering your conversions over multiple years can maximize the impact. Plus, if you're planning to delay Social Security, you’ll have even more runway for strategic conversions.

This is about more than just minimizing taxes—it's about increasing your income control, improving your flexibility, and creating a legacy with less of a tax burden for your heirs. Don’t wait. The earlier you start planning, the more you stand to gain.

🔑 Takeaways

The five years before retirement are critical for Roth conversions

Delaying can result in a much higher future tax bill

Early conversions reduce RMDs and taxable Social Security

You can manage your tax brackets and Medicare premiums with smart timing

A conversion strategy layered over time is more effective than a one-and-done approach

Planning ahead increases control and legacy value

🗣️ Sound Bites
"Right now is your golden window for Roth conversions."
"Most people think they’ll be in a lower tax bracket—but that’s not always true."
"You need a coordinated game plan to make this work."

📚Chapters
00:00 – Why the 5 Years Before Retirement Are Critical
00:30 – Why High Savers May Stay in the Same Tax Bracket
01:15 – Why Waiting Could Backfire Financially
01:50 – Key Considerations: ACA, Capital Gains, IRMAA
02:50 – Who Benefits Most From Roth Conversions
03:30 – Coordination is Key: Build a Strategic Game Plan

Fun words:
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#rothconversion #retirementplanning #financialadvisor