Retirement planning decisions rarely stand alone. Roth conversions, Social Security, IRMAA, required minimum distributions, capital-gain harvesting, charitable planning, and state taxes can interact across multiple tax years.
Who should attend
Practitioners advising taxpayers approaching or living in retirement.
Learning objectives
- Identify the years in which income can be deliberately accelerated or deferred.
- Coordinate Roth conversion analysis with IRMAA and the two-year lookback.
- Model Social Security taxation, RMDs, capital-gain stacking, and charitable strategies.
- Document assumptions and revisit the plan as markets, income, and law change.
Two-hour agenda
- Mapping the retirement planning window
- Roth conversion analysis
- Social Security, RMDs, and QCDs
- IRMAA and capital-gain interactions
- Multi-year implementation and review