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Tax Free Retirement Roadmap: Guide to Roth Conversions, Avoiding Taxes and RMDs in Retirement.
You’ve worked hard to build your nest egg—don’t let taxes quietly drain it in retirement. Tax Free Retirement Roadmap is a short, practical workbook that shows you exactly how to use Roth conversions to lower your lifetime taxes, tame Medicare IRMAA surprises, reduce or eliminate RMDs, and create more tax-free income for you and your heirs.
By the time you finish, you’ll
A dollar-specific target for how much to convert this year—without tripping higher brackets or IRMAA surcharges
A 3–5 year conversion ladder you can run in ~15 minutes per year
A simpler, safer plan to keep more of every dollar you’ve saved—and pass it on more tax-efficiently
Clear dates on your calendar and ready-to-send emails/scripts so execution is easy
What you’ll learn (fast):
Bracket-Filling, Made How to legally “harvest” lower tax brackets with smart buffers—no spreadsheets required
Timing That Saves Use “bridge years,” market dips, and year-end true-ups to maximize tax-free growth
RMD Shrink forced taxable income in your 70s so Medicare premiums and Social Security taxation stay in check
Pro Tactics, Plain Avoid the common traps (pro-rata, 5-year clocks, sequencing mistakes) with easy checklists
Tax-Free Match the right assets to the right heirs so your family keeps more
Ready-to-use tools
One-Page Action Sheet (your yearly control panel)
Tax Bracket Filler Planner (per-year + 3–5 year ladder)
RMD-Year Checklist & Safe-Harbor Tracker
Legacy Brief & Beneficiary Map (make transfers clean and tax-smart)
Market-Dip Trigger Card (“If −%, convert up to $ within buffers”)
Copy-paste emails/scripts for your CPA and custodians—so execution is quick and clean
Designed as a workbook—so you actually finish. Each pillar includes short prompts, fill-in-the-blank lines, and quick checks. You’ll capture your current bracket, IRMAA thresholds, conversion targets, and calendar dates as you go. When you’re done, you’ll have a one-page plan you can review annually in minutes.
Who it’s for
Retirees and near-retirees (50–70) who want clarity, not jargon. Perfect for DIY planners and couples who prefer short checklists over 300-page textbooks. If you’ve ever wondered, “Am I doing conversions right? How much is safe? What about Medicare or Social Security?”—this book is your step-by-step playbook.
Why this works
Roth conversions aren’t about guessing; they’re about precision—filling room in lower brackets today to reduce future taxable income, RMDs, and Medicare surpri
By the time you finish, you’ll
A dollar-specific target for how much to convert this year—without tripping higher brackets or IRMAA surcharges
A 3–5 year conversion ladder you can run in ~15 minutes per year
A simpler, safer plan to keep more of every dollar you’ve saved—and pass it on more tax-efficiently
Clear dates on your calendar and ready-to-send emails/scripts so execution is easy
What you’ll learn (fast):
Bracket-Filling, Made How to legally “harvest” lower tax brackets with smart buffers—no spreadsheets required
Timing That Saves Use “bridge years,” market dips, and year-end true-ups to maximize tax-free growth
RMD Shrink forced taxable income in your 70s so Medicare premiums and Social Security taxation stay in check
Pro Tactics, Plain Avoid the common traps (pro-rata, 5-year clocks, sequencing mistakes) with easy checklists
Tax-Free Match the right assets to the right heirs so your family keeps more
Ready-to-use tools
One-Page Action Sheet (your yearly control panel)
Tax Bracket Filler Planner (per-year + 3–5 year ladder)
RMD-Year Checklist & Safe-Harbor Tracker
Legacy Brief & Beneficiary Map (make transfers clean and tax-smart)
Market-Dip Trigger Card (“If −%, convert up to $ within buffers”)
Copy-paste emails/scripts for your CPA and custodians—so execution is quick and clean
Designed as a workbook—so you actually finish. Each pillar includes short prompts, fill-in-the-blank lines, and quick checks. You’ll capture your current bracket, IRMAA thresholds, conversion targets, and calendar dates as you go. When you’re done, you’ll have a one-page plan you can review annually in minutes.
Who it’s for
Retirees and near-retirees (50–70) who want clarity, not jargon. Perfect for DIY planners and couples who prefer short checklists over 300-page textbooks. If you’ve ever wondered, “Am I doing conversions right? How much is safe? What about Medicare or Social Security?”—this book is your step-by-step playbook.
Why this works
Roth conversions aren’t about guessing; they’re about precision—filling room in lower brackets today to reduce future taxable income, RMDs, and Medicare surpri
183 pages, Paperback
Published August 23, 2025
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