This week, we're tackling listener questions about pro rata and aggregation rules, IRMAA, Roth conversions, RMDs, and how to plan for retirement when you’d rather not hire a financial planner. We’ll share insights on why paying upfront for expert guidance can often save you from costly, irreversible decisions—and how optimized strategies can make a big difference. The key? Partnering with someone who understands your unique financial situation.

🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!

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