- The Roth Conversion Strategy: Roth conversions move pre-tax funds into a Roth IRA, allowing future growth and qualified withdrawals to be tax-free. This strategy is essential for protecting retirement wealth from potential future tax increases and helps you "disinherit the IRS" from your savings.
- Avoiding Penalties and Taxes: Strategic Roth conversions can help you sidestep two major retirement threats: Required Minimum Distributions (RMDs), which can push income into higher tax brackets and increase IRMAA (Medicare premiums), and high taxes for your heirs via the Legacy Planning Window.
- Five Key Timing Windows: The Hollands detail optimal periods for conversion, including converting during a Market Downturn to pay tax on a smaller amount, utilizing the expiring Senior Bonus Deduction (2025-2028), and converting during low-income Gap Years between retirement and Social Security/RMDs.
- The Conversion Playbook: Success relies on "precision work, not guesswork." The process involves building a multi-year conversion plan based on a projection of your current and future tax brackets, RMD timing, and income sources to ensure you stay under specific tax thresholds.
- Getting Started: The Holland Group offers a Discovery Call to find out what prompted your call (your "pain" or concern). They then build a customized, comprehensive retirement plan after an in-depth financial review, ensuring your plan honors your core objectives.
Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 295-3451, or visit AskTheHollands.com to schedule a discovery call at your convenience.
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