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August 7, 2025 โ€ข 13 mins

The One Big Beautiful Bill Act (OBBBA) was passed in July and itโ€™s already reshaping the retirement landscape, especially when it comes to tax strategy and account planning. In this episode, Scott breaks down the three biggest takeaways from the bill that directly impact your retirement accounts. From Rothification trends and expanded conversion opportunities to smarter ways to preserve income-based deductions, weโ€™ll tell you what has changed and how to take advantage of it.

Hereโ€™s what we cover in this episode:

๐Ÿ” Rothification is accelerating โ€“ More contributions and catch-ups will be pushed into Roth buckets.

๐Ÿ“† Conversion windows expanded โ€“ Lower tax rates are extended, giving you more time for tax-smart Roth conversions.

๐Ÿ“‰ Income limits matter โ€“ New deductions come with phaseouts, so strategic use of tax-advantaged accounts (like IRAs & HSAs) is crucial.

๐Ÿง  Small moves add up โ€“ Stackable strategies like QCDs and bunching deductions can significantly lower lifetime taxes.

๐Ÿ“Š You only have 4 tax years to act โ€“ Don't wait until 2028 to start planningโ€”optimize now.

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๐Ÿ’ผ Want expert help in planning for your financial future?

Apply for a consultation here ๐Ÿ‘‰ https://calendly.com/erg-kc/introductory-phone-call-with-ergย 

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๐Ÿ“ž Call us: 913-393-4724

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๐ŸŒ Visit our podcast website:ย  https://listentoscott.com/

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๐Ÿ“š๐Ÿ› ๏ธ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here ๐Ÿ‘‰ https://keap.page/bu413/exceptional-retirement-youtube.html

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๐ŸŽฅ Subscribe to our YouTube channel for more retirement insights!

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๐Ÿ“ฐ Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviserย 

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๐Ÿ“Œ Follow us for expert retirement planning tips!

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#retirement #retirementplanning

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