Your IRA statement says $900,000. Your kids will not inherit $900,000. Day two of our series sits in their chair for the one conversation that can change the number: the ten-year rule, their tax bracket, and the moves that only work while you are here.
During the gap years your tax bracket has room in it. A Roth conversion lets you fill that room on purpose, paying tax at today's low rate instead of tomorrow's forced one. Part two of The Gap Years.
The years between your last paycheck and age 73 are often the lowest-tax stretch you will ever see. Most retirees coast through and pay for it later. Part one of The Gap Years.
Everyone said to finish your Roth conversion before tax rates jumped in 2026. Then the 2025 tax law made those rates permanent. Here is what that changes.
Most people treat their first required minimum distribution as a math problem. Take the number, pay the tax, move on. But that withdrawal can echo forward and raise your Medicare premium by thousands a year, and almost nobody sees it coming.
Fiscal Fridays is a brand new live show from American Retirement Advisors. Watch the premiere episode featuring real retirement questions, the Three Colors of Money, and why the 401(k) was never supposed to be a retirement plan.