Learn

Learn the fundamentals — then the strategy

Four plain-English guides to the building blocks of retirement tax planning. Start with the fundamentals, then see how the offset strategies put them to work.

Foundations

Roth Conversion

The tax it creates · 5-year rules · Backdoor & mega-backdoor · Bracket-filling

What a conversion is, the tax it triggers, the rules that govern it, and the moves high earners use when they're phased out of direct Roth contributions.

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Foundations

Self-Directed IRAs

Allowed assets · §4975 prohibited transactions · UBIT/UDFI · Real estate

How an SDIRA holds real estate and other alternatives under the same tax rules — and the prohibited-transaction lines that keep it compliant.

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Foundations

Retirement Withdrawals & Taxes

RMDs · IRMAA · NIIT · Social Security · Sequencing

How each account is taxed on the way out, the surcharges that ambush high earners, and the withdrawal order that keeps more of your money.

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Going further

Advanced HNW Tax Strategies

Mega-backdoor · Deduction-offset conversions · NUA · QSBS · Charitable

The advanced toolkit: routing more into Roth, absorbing a conversion with same-year deductions, and the capital-gains and charitable moves that compound the savings.

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Ready to put the fundamentals to work?