New Blogs This Week:
Featured Blog of the Week
4 Ways to Supercharge Your Roth Conversion Capacity 💥 (especially for tax-free legacy planning)
Most retirees don’t realize how much control they actually have over their tax bill in retirement. With the right strategies, you can turn tax-deferred savings into tax-free lifetime income — and even build a tax-free legacy for your family. This week’s article breaks down four powerful tactics to make your Roth Conversions more efficient, including how to avoid short-term capital gains, why delaying Social Security opens your “Golden Window,” and how to use market dips to your advantage.
You’ll also learn how low-income years create massive tax-planning opportunities and why the 24% bracket is often the sweet spot for long-term conversion efficiency. If you want to understand how to control your tax destiny — rather than letting the IRS decide — this is a must-read.
👉 Read the full blog here
Retirement Planning Beyond the Numbers
Retirement Transition Planning Is About More Than Just the Numbers
Yes, the math matters — withdrawal rates, tax brackets, Social Security timing, Roth conversions — but the real foundation of a confident retirement has nothing to do with spreadsheets. This week’s article breaks down why so many people still feel uncertain, even with multi-million-dollar portfolios: they’ve never defined the life they want after work. Before you stress over “your number,” you need clarity on what retirement should feel like — your routines, identity beyond work, relationships, purpose, and the rhythm you want your days to have.
Once you understand your vision, then the math can support it. The article walks through nine deeper questions most people skip — from where you want to live, to how much guaranteed income gives you peace of mind, to how much market risk you’re comfortable taking once paychecks stop. If you’re within 5–10 years of retirement, this is essential reading before making any major decisions.
👉 Read the full article here
Before Making Any Irrevocable Pension Decisions
If You Have a Pension, Don’t Lock It In Before Reading This
If you’re nearing retirement, your pension decision is one of the most permanent choices you’ll ever make — and the wrong election can cost you and your spouse hundreds of thousands of dollars in lost income, flexibility, and legacy protection. This week’s article breaks down the four biggest reasons every retiree should get a full pension review before signing anything, including why some companies actually pay you to walk away, how private-market annuities can outperform employer payout options, and what you give up in liquidity and control when you annuitize.
It also uncovers the hidden risk most people overlook: spousal reductions that can slash household income by 50% or more overnight. For many people, a side-by-side comparison reveals dramatically higher income, better flexibility, or stronger spouse protection outside the employer plan — but you won’t know without a review.
👉 Read the full article here