In Episode 7, Garrett Crawford, CFP®, and Adam Reed tackle a critical HNW retirement challenge: the tax shock a surviving spouse can face.

It's possible for a married couple's ~24% tax bracket can jump to 35% for a single survivor due to filing changes, growing RMDs & higher Medicare premiums. This creates an increased financial burden during an already difficult time.

Learn how proactive Roth conversions in your 60s or 70s could strategically lower lifetime tax burdens, protect a surviving spouse, and create a tax-efficient legacy. | Disclosure

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The #1 mistake High-Net-Worth retirees make is treating their tax return as a rearview mirror. In this crucial episode of Retirement Tax Matters, we dive deep into the costly disconnect between your tax return, investment plan, and long-term legacy goals.

Discover:

• Why overlooking unused tax bracket space each year is costing you significant wealth.

• How proactive, intra-year tax projections are the key to unlocking powerful strategies like Roth conversions.

• The critical questions to ask your financial advisor about your tax return to ensure your entire financial plan is aligned and working for you.

Don't let valuable opportunities slip away.

🔗 Get our FREE High-Net-Worth Retirement Checklist:

https://www.retirementtaxmatters.com/hnw-checklist

In Episode 5 of Retirement Tax Matters, we define the Golden Window — the critical years of temporary low income after you retire but before RMDs and Social Security begin. For high-net-worth retirees with large pre-tax IRA balances, this is an ideal time to manage what is likely your largest future tax liability. We explore how to leverage this period by executing strategic Roth conversions, transforming a future tax problem into possible lower aggregate lifetime taxes and/or a tax-free legacy for your heirs. Most importantly, we discuss how to balance this powerful strategy with your non-financial life goals by incorporating intra-year tax projections to find the remaining "room" for conversions after you've funded your other spending needs first. | Disclosures