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How IRA Millionaires Keep Their Money Safe From the IRS
Thirty or forty years of disciplined saving and smart investing can build a traditional IRA worth $1 million or more. For most families, that account […]
How IRA Millionaires Beat the IRS: The OBBB Deduction Trap
The One Big Beautiful Bill Act (OBBB), signed in 2025, delivered the largest package of senior-focused tax deductions in more than a decade. Taxpayers aged […]
4 Costly Roth Conversion Mistakes IRA Millionaires Make
Having $1 million or more in a traditional IRA puts a household in the top 10% of American savers — and places them in a […]
Using a High Medical-Expense Year to Shelter a Roth Conversion
A Roth conversion in a high-medical-expense year pairs a large Schedule A medical deduction with conversion income, so costs above 7.5% of AGI under IRC […]
Roth Conversions Around a Divorce: Filing Status, Split IRAs, and Timing
A Roth conversion in a divorce year is allowed, but your December 31 marital status sets filing status and brackets for the whole year. Key […]
Roth Conversions for Expats: FEIE, Foreign Tax Credits, and Timing
A Roth conversion while living abroad is taxed as ordinary US income in the conversion year, and the Foreign Earned Income Exclusion does not make […]
Offsetting a Roth Conversion With a Net Operating Loss (NOL)
A net operating loss can offset the ordinary income a Roth conversion creates, because both are ordinary items that net against each other on Form […]
Roth Conversions After Selling a Business: Timing the Low-Income Window
A Roth conversion after selling a business is usually more efficient in the low income years after the sale than in the sale year itself. […]
Why Age 63 Is a Roth Conversion Deadline: The IRMAA Two-Year Lookback
A Roth conversion before age 63 is the last one that cannot raise a future Medicare premium, because IRMAA looks back two years and Part […]
Does a Roth Conversion Trigger the Alternative Minimum Tax (AMT)?
A Roth conversion rarely triggers the alternative minimum tax, because a conversion is ordinary income that the regular tax and the AMT treat identically, so […]