<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Ford Wealth Management]]></title><description><![CDATA[Ford Wealth Management]]></description><link>https://www.fordwealthmgmt.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Tue, 21 Jul 2026 14:45:23 GMT</lastBuildDate><atom:link href="https://www.fordwealthmgmt.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[The Legacy Problem]]></title><description><![CDATA[Learn how a couple with a large traditional IRA used a disciplined Roth conversion strategy to reduce future taxes, avoid hidden tax costs, and leave more wealth to their high-income children.]]></description><link>https://www.fordwealthmgmt.com/post/the-legacy-problem</link><guid isPermaLink="false">6a5931d948b343e14f13c37a</guid><pubDate>Fri, 17 Jul 2026 18:57:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_dbaa04725c5c40e8b6725a62f4c2c844~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[ It’s Not Too Late]]></title><description><![CDATA[Learn how a recently widowed retiree used Roth conversions and Qualified Charitable Distributions (QCDs) to reduce future taxes, manage Medicare IRMAA, and leave more wealth to her children.]]></description><link>https://www.fordwealthmgmt.com/post/it-s-not-too-late</link><guid isPermaLink="false">6a592ece9335b491b88338b9</guid><pubDate>Fri, 17 Jul 2026 18:56:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_28f03a93ab2542858bbc663fa2d401d6~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[The Roth Conversion Window]]></title><description><![CDATA[Learn how a retired couple used the Roth conversion window before Medicare and Required Minimum Distributions to reduce future taxes, avoid unnecessary Medicare surcharges, and improve what they leave to their heirs.]]></description><link>https://www.fordwealthmgmt.com/post/roth-conversion-window</link><guid isPermaLink="false">6a592dee48b343e14f13bbbf</guid><pubDate>Fri, 17 Jul 2026 18:55:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_beab7c8271a044618c186d5fccafebfd~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[When a Roth Conversion Is a Mistake]]></title><description><![CDATA[Learn when a Roth conversion may be the wrong strategy, the situations where waiting can save taxes, and how to avoid costly Roth conversion mistakes.]]></description><link>https://www.fordwealthmgmt.com/post/when-a-roth-conversion-is-a-mistake</link><guid isPermaLink="false">6a5905accb28250fe83b1ccd</guid><pubDate>Thu, 16 Jul 2026 16:39:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_075db97dc526454ca62320e2e0789e68~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[How to Pay the Tax on a Roth Conversion ]]></title><description><![CDATA[Learn why paying Roth conversion tax from outside your IRA can preserve more tax-free growth and help maximize the long-term value of your Roth conversion.]]></description><link>https://www.fordwealthmgmt.com/post/how-to-pay-the-tax-on-a-roth-conversion</link><guid isPermaLink="false">6a58f21638e05b9fea35cb10</guid><pubDate>Thu, 16 Jul 2026 16:04:21 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_9ed35750a8654f488e84d4436b0a9c4b~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[The 10-Year Rule: Why Your Heirs Could Pay More Tax Than You]]></title><description><![CDATA[Learn how the 10-year rule affects inherited IRAs, why many heirs pay more tax than expected, and how Roth conversions may help preserve more of your family's wealth.]]></description><link>https://www.fordwealthmgmt.com/post/10-year-rule-heirs-taxes</link><guid isPermaLink="false">6a58ea6a01e576df51c75c69</guid><pubDate>Thu, 16 Jul 2026 14:49:57 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_054e943dc4e84771bbd635c138fcad97~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[Why Future Tax Rates Matter Less Than You Think]]></title><description><![CDATA[Learn why predicting future tax rates isn't necessary for a successful Roth conversion and how focusing on your own projected tax situation can lead to better long-term decisions.]]></description><link>https://www.fordwealthmgmt.com/post/future-tax-rates-roth-conversion</link><guid isPermaLink="false">6a58e493cb28250fe83ad913</guid><pubDate>Thu, 16 Jul 2026 14:16:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_4523ff52b3b34e3e99860ce15a708f31~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[The Widow's Penalty: Why Surviving Spouses Often Pay Higher Taxes in Retirement]]></title><description><![CDATA[Learn why surviving spouses often face higher taxes in retirement despite having similar income. Discover how filing status, IRMAA, and Roth conversion planning can help reduce the widow's penalty.]]></description><link>https://www.fordwealthmgmt.com/post/widows-penalty-retirement</link><guid isPermaLink="false">6a58dc560ff39938e1cbf827</guid><pubDate>Thu, 16 Jul 2026 13:50:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_93c16bde0e014596b04cfa9b8bc76371~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[Why Your Tax Bracket Isn't the Real Cost of a Roth Conversion]]></title><description><![CDATA[Learn why your tax bracket isn't the true cost of a Roth conversion. Discover how IRMAA, Social Security taxation, capital gains, and your true marginal rate can affect retirement tax planning.]]></description><link>https://www.fordwealthmgmt.com/post/why-your-tax-bracket-isn-t-the-real-cost-of-a-roth-conversion</link><guid isPermaLink="false">6a57e20ece661124e13dcc3a</guid><pubDate>Thu, 16 Jul 2026 13:11:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_331f35a6ae0144db88b4477282a29ee1~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[How to Approach a Roth Conversion With a $1 Million IRA]]></title><description><![CDATA[Learn how Roth conversion planning changes once your IRA reaches $1 million. Discover how larger retirement accounts affect RMDs, Medicare IRMAA, taxes, and long-term retirement planning.]]></description><link>https://www.fordwealthmgmt.com/post/how-to-approach-a-roth-conversion-with-a-1-million-ira</link><guid isPermaLink="false">6a57d162f16fbd619a4b09be</guid><pubDate>Wed, 15 Jul 2026 19:30:57 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_67c54905ac874dcfa9becb98a58f5677~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[Roth Conversion 5-Year Rule Explained ]]></title><description><![CDATA[Learn how the Roth conversion 5-year rule works, why there are two different Roth IRA 5-year rules, and what they may mean for your retirement planning and withdrawal strategy.]]></description><link>https://www.fordwealthmgmt.com/post/roth-conversion-5-year-rule-explained</link><guid isPermaLink="false">6a5672beaa2c7341eb4b549b</guid><pubDate>Tue, 14 Jul 2026 18:48:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_365ed68023b04a5eaf5ce708e31b9bd9~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[How Roth Conversions Affect Medicare IRMAA]]></title><description><![CDATA[Learn how Roth conversions can affect Medicare premiums, how IRMAA works, and why thoughtful planning focuses on long-term retirement outcomes.]]></description><link>https://www.fordwealthmgmt.com/post/roth-conversion-and-medicare-irmaa</link><guid isPermaLink="false">6a5502f3af57c5abb39d05c6</guid><pubDate>Mon, 13 Jul 2026 18:42:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_dc2fcc571dfc4ade8457cd10234df623~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[Should You Do a Roth Conversion Before RMDs?]]></title><description><![CDATA[Learn when a Roth conversion before RMDs may make sense, how lower-income years can create planning opportunities, and why many retirees consider partial Roth conversions to reduce future Required Minimum Distributions.]]></description><link>https://www.fordwealthmgmt.com/post/should-you-do-a-roth-conversion-before-rmds</link><guid isPermaLink="false">6a4fc0c9605fe44799475c7b</guid><pubDate>Thu, 09 Jul 2026 16:20:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_28fc557f0ca34ef185dc911b932c45ea~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[Should You Do a Roth Conversion Before Retirement?]]></title><description><![CDATA[Learn when a Roth conversion before retirement may make sense, how timing affects taxes, and why many retirees evaluate partial Roth conversions during lower-income years.]]></description><link>https://www.fordwealthmgmt.com/post/should-you-do-a-roth-conversion-before-retirement</link><guid isPermaLink="false">6a4ea339eb09451ed9ace978</guid><pubDate>Wed, 08 Jul 2026 19:37:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_676658a2dd314e6a894f07e09818de7e~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[How Roth Conversion Tax Brackets Work]]></title><description><![CDATA[Learn how Roth conversions are taxed, how progressive tax brackets work, and why many retirees consider partial Roth conversions as part of a long-term tax planning strategy.]]></description><link>https://www.fordwealthmgmt.com/post/roth-conversion-tax-brackets</link><guid isPermaLink="false">6a4e80fdda4074f9d0b43a19</guid><pubDate>Wed, 08 Jul 2026 17:26:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_771225850943446294b54d87e53ee649~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[What Is a Roth Conversion?]]></title><description><![CDATA[Learn what a Roth conversion is, how it works, and when it may make sense as part of a retirement tax planning strategy.]]></description><link>https://www.fordwealthmgmt.com/post/what-is-a-roth-conversion</link><guid isPermaLink="false">6a4d50d624d6803bed6ad033</guid><pubDate>Tue, 07 Jul 2026 19:48:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/2e032f_067a0377f9754f248c83cedf0ab5e406~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator> Ryan Bedross</dc:creator></item><item><title><![CDATA[The Two Wolves Feeding The Markets]]></title><description><![CDATA[A Simple Story About Two Wolves At Ford Wealth Management, we’ve been thinking a lot about a simple story: the one about the two wolves. In the story, a grandfather tells his grandson that two wolves live inside each of us. One wolf is driven by anger, envy, regret, and greed. The other embodies joy, peace, kindness, and faith. The boy asks, “Which wolf wins?” The grandfather replies, “The one you feed.” In investing, our wolves have different names, but the idea is the same. In markets, the...]]></description><link>https://www.fordwealthmgmt.com/post/two-wolves-fear-greed-markets-investing</link><guid isPermaLink="false">6a231505367ed35011d8b237</guid><pubDate>Fri, 05 Jun 2026 18:52:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a44977_8a7e21a305b84c99992b5be0496596d4~mv2.webp/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>emahocreative</dc:creator></item></channel></rss>