Age 73
When RMDs begin — whether you need the income or not
37%
Top marginal rate heirs may face inheriting a pre-tax IRA
10 years
The planning window most pre-retirees have to convert at favorable rates
THe PRoblem
A large pre-tax balance is a deferred, growing tax obligation. Left unmanaged, it can mean required minimum distributions that spike your bracket at 73, Medicare surcharges, more of your Social Security taxed, and a bigger taxable estate for your heirs.
The good news: with the current tax environment, you have a patient, multi-year runway to act — if you understand the real math.
WHAT's INCLUDED
Roth Conversion Planning Guide
Multi-year conversion sequencing, bracket management, and tax-efficient strategies specific to seven-figure pre-tax balances
Roth Conversion Readiness Checklist
Evaluate your liquidity, tax situation, and timeline before committing to a conversion amount
Educational E-mail Series
RMD exposure modeling, IRMAA thresholds, 10-year inherited IRA rules, and coordinating conversions with Social Security timing
Planning considerations at this balance level
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RMD-driven bracket compression starting at 73
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Medicare IRMAA surcharges on Part B and D
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Multi-year partial conversion sequencing
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10-year inherited IRA rule for non-spouse heirs
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Coordinating conversions with Social Security
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Estate and legacy tax efficiency