The Roth Conversion Corridor: How to Save $900K+ in Retirement Taxes Before RMDs Hit скачать в хорошем качестве

The Roth Conversion Corridor: How to Save $900K+ in Retirement Taxes Before RMDs Hit

📌 Video Overview Most retirees think the hard part is building wealth. It’s not. Once you retire, the real challenge becomes structuring income, managing taxes, and avoiding forced distribution mistakes that permanently change your tax trajectory. In this episode, I break down what I call the Roth Conversion Corridor—the narrow window between retirement and Required Minimum Distributions (RMDs) at age 73 or 75. We walk through real modeling examples, RMD forecasting, tax bracket engineering, IRMAA coordination, liquidity requirements, and how strategic conversions can potentially reduce lifetime taxes by hundreds of thousands of dollars. I also explain the tradeoff between minimizing your own lifetime taxes versus optimizing a tax-free legacy for your heirs—and how to model both correctly. This is for affluent retirees and pre-retirees with $2M–$10M+ in pre-tax retirement accounts who want structure—not generic advice. If you’re between 55 and 65 and sitting on a large traditional IRA, this window may be one of the most important tax planning opportunities of your life. 🚀 Work With Trent If you want to see what a customized Roth conversion roadmap looks like for your numbers, this is where we go deeper. Join The Second Act for education, coaching, and guardrails-based retirement planning support → https://JoinSecondAct.com Planning tools we use: • Income Lab • RightCapital • Boldin PlannerPlus ⏱ Timestamps 00:00 – The $910,000 Tax Difference 01:08 – What Is the Roth Conversion Corridor? 01:31 – RMD Mechanics & Future Tax Bracket Risk 03:18 – Engineering Your Tax Bracket (55–65 Window) 06:00 – IRMAA Cliffs & Medicare Coordination 07:41 – Liquidity: The Hidden Conversion Constraint 09:21 – Lifetime Tax Strategy vs. Legacy Optimization 10:36 – Modeling Framework & Stress Testing 11:57 – $4.2M IRA Case Study Breakdown 14:00 – Why This Window Matters 🧭 About This Channel This channel is for affluent retirees who’ve already won the accumulation game and now want to master the distribution phase—income, taxes, and investment structure working together. We focus on three pillars: • Retirement income guardrails • Investing for sustainable withdrawals • Tax-efficient distribution planning No hype. No generic advice. Just structured retirement thinking. ⚖️ Disclaimer This content is provided by Corso Wealth Coaching LLC, a financial education and coaching company. It is for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Engagement with this content does not create an advisory or fiduciary relationship. All investments involve risk, including potential loss of principal. Hypothetical examples and simulations are illustrative only and do not guarantee outcomes. Consult a qualified financial, tax, or legal professional before implementing any strategies discussed.