Happy Friday Reader!

Below is a weekly recap of my most newest content. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels).

Or, if you'd prefer schedule your free Retirement Income Analysis.

Turning Your IRA Into a Tax-free Long-term Care Income

Here’s how it works: withdrawals from IRAs and 401(k)s are normally fully taxable.

But when those dollars are used to cover qualified long-term care expenses, IRS §213 allows deductions for medical costs above 7.5% of AGI.

This is not a well-known loophole within the tax code.

But this turns your 100% taxable IRAs into an income stream for long-term care purposes....

meaning much of what would have been taxable income can be offset — turning up to 92.5% of those withdrawals into tax-free dollars (for future long-term care expenses).

Think of it as a tax-assisted Roth conversion: you’re taking dollars that would have been fully taxable and converting them into mostly tax-free long-term care income.

Done right, it’s one of the most overlooked planning opportunities available.

• It allows you to repurpose a portion of your retirement accounts for care funding without creating an extra tax drag.
• It protects your income plan, since you aren’t forced to liquidate assets in a tax-inefficient way during a health crisis.
• It preserves more of your estate, since you aren’t eroding legacy assets just to pay for care.

How do you feel about your Long-term Care Plan? I feel good! My plan has some gaps I don't really have a plan

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Watch Video on this Tax Loophole

New Videos This Week (all 1 min. or less):

1. [New Case Study] 58-year-old Couple Wants $12k/month in Retirement (AND a $1M Legacy for Grandkids) - When Can They Comfortably Retire?!​
2. [Retirement Planning] Retirement Isn't Just About Having Enough Saved... It's About When You Retire​
3. [Case Study You May Have Missed) 62-year-old Couple Increases Lifetime Wealth By $1.7M with Roth Conversions​

🚀 New Tool: The Roth Conversion Blueprint

If you’ve ever wondered whether a Roth conversion makes sense for you, I now have a brand-new tool that shows the long-term tax impact of different strategies — clearly, visually, and in dollars you can understand.

Here’s the big idea:

Imagine you have a $1,000,000 IRA.

What if I could show you how to convert it to tax-free dollars…

✅ With no direct out-of-pocket costs​
✅ Without ever letting your balance dip below $1,000,000
✅ Without bumping you into a higher tax bracket

Wouldn’t you want to see the numbers for yourself?

That’s exactly what the Roth Conversion Blueprint does.

It maps out how much you could save in lifetime taxes, how much more income you could keep, and how much more tax-free wealth you could leave to your family.

For many retirees, this is the most powerful strategy available to protect against rising taxes — and the earlier you start, the bigger the benefits.

👉 If you’d like me to run a personal Roth Blueprint analysis for you, let’s connect.

See Roth BluePrint From Recent Case Study

Helpful Tools & Resources:

• NEW Roth BluePrint Analysis

💡 Want to see how a Roth conversion could work for your retirement? My new Roth Conversion Blueprint shows the long-term tax savings, income benefits, and legacy potential — all without reducing your account value or bumping you into a higher tax bracket. 👉 Let’s run the numbers together.

Instant Download: Roth BluePrint Example

• Complete Guide to Long-term Care Planning (New One-pager)

Long-term care isn’t just a future concern—it’s a planning opportunity today. This all-in-one guide breaks down the costs, risks, and strategies to help you protect your wealth and leverage LTC solutions before you need them.

Instant Download: LTC One-pager

• Retirement Income Insider (free VIP group)

Here I'll share additional retirement planning tips + exclusive access to future Masterclasses, live Q&A's, and many other retirement resources!

Join Retirement Income Insider Here

• Future, Guaranteed Income Calculator (free)

Run your own retirement income projections to see approximately how much, guaranteed income you can secure (now or in the future).

Access Free Guaranteed Income Calculator

Note: this is done through 1 company I work with, so while it may be a good estimator for your situation, there may also be a better option with a different company (and a higher payout) for you

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