Deferred taxes don't disappear. At 73, RMDs force them due.

Harvesting your low-bracket years, designed backward from RMDs at 73

Who this book is for
Ages 50–65 with $500K+ in Traditional retirement accounts (401k/IRA)

Does this sound familiar?

• — There's a tax bill wired into your Traditional accounts — and no sense of how big it is
• — Everyone asks "how much should I convert?" — nobody plans the 10-year optimization
• — ACA before 65, IRMAA from 63 — no one integrates the age-band constraints

What this book does

The golden equation (conversion = top of target bracket − pre-conversion income) and reverse design: target RMD balance → annual conversion → band constraints (ACA · IRMAA) on one 10-year timeline.

Table of contents

1. 01 Why now (the tax prison · RMD arithmetic · chain effects)
2. 02 The craft of conversion (golden equation · 5-year rule · ACA/IRMAA integration)
3. 03 Defending healthcare and benefits (IRMAA 2-year lookback · SSA-44 · HSA)
4. 04 Designing the 10-year roadmap / completing the inheritance (SECURE 10-year rule · the Roth bequest win)

What's included

• ✓ Ebook PDF
• ✓ Workbook (golden-equation worksheet · December checklist · binding-constraint table)
• ✓ 10-year roadmap xlsx (convert vs don't)

This material is general information for educational purposes only — not tax, legal, or investment advice. Examples of tax savings or returns are illustrative and do not guarantee individual results. Review with a licensed professional (CPA, EA, or attorney) before acting.