With the One Big Beautiful Bill Act extending some tax breaks but letting others expire in 2026, many retirees are asking the same question Michael poses in today’s episode:

Should I do Roth conversions now, or wait to see what Congress does next year?  

Scott breaks down what’s likely to change when current tax rates sunset, how those changes could impact your retirement income and estate plans, and the key factors to consider before you convert IRA or 401(k) money to Roth accounts.  

Listen in for a clear, practical discussion about timing, tax law uncertainty, and how to build flexibility into your retirement plan for whatever Washington does next.

Get on our phone calendar, for free, at TuckerRetirement.com.

Linda and her spouse want to make the most of their retirement—travel, enjoy life, and finally do the things they’ve worked hard for.

But they also want to leave a meaningful legacy for their children and grandchildren. 

In this episode, Scott explores how to balance lifestyle spending and legacy goals without sacrificing either one.

We’ll discuss how to determine sustainable withdrawal rates, set clear legacy priorities, and build flexibility into your plan so you can enjoy life now while still providing for the next generation.

Learn how to create a retirement strategy that lets you live well today and leave confidently tomorrow.

Get on our phone calendar, for free, at TuckerRetirement.com.

Michael’s worried about what’s coming next with taxes. 

With new laws, political shifts, and constant talk about Roth conversions and trusts, it’s easy to feel uncertain about what to do. 

In this episode, Scott breaks down how to think strategically about future tax changes—and what moves might make sense now to protect your retirement plan.

We’ll cover proactive tax strategies, timing considerations for Roth conversions, and how to structure investments and estates to stay flexible no matter what Washington does next.

Learn how to stay ahead of tax law changes and keep more of what you’ve earned.

Get on our phone calendar, for free, at TuckerRetirement.com.

Karen’s been saving diligently and has built a solid nest egg—but now that retirement is approaching, she’s wondering how to balance security with flexibility.

In this episode, Scott explains how to design a retirement income plan that provides dependable cash flow without locking you into rigid withdrawals.

We’ll cover strategies for adjusting income as life changes, protecting against market downturns, and making sure your money lasts—without missing out on enjoying retirement.

Learn how to keep your retirement flexible, sustainable, and stress-free.

Get on our phone calendar, for free, at TuckerRetirement.com.

Scott has a straightforward goal: He wants to leave his assets to his siblings—but he doesn’t want them bogged down with courts, lawyers, or unnecessary expenses. In this episode, we discuss strategies for passing assets efficiently, including beneficiary designations, transfer-on-death tools, and ways to keep your estate out of probate.  If you’re looking for a simple, cost-effective plan to make sure your loved ones inherit smoothly, this episode is for you.

Get on our phone calendar, for free, at TuckerRetirement.com.

Greg has a complicated estate planning question: He wants to leave money to his grandchildren—but also cut one of his daughters out of what would normally be “her share.” In this episode, we explore the key issues behind Greg’s decision, including fairness, family dynamics, and the legal tools available to make sure his wishes are carried out.  Whether you’re thinking about unequal inheritances or setting aside assets for the next generation, you’ll learn what to consider and how to avoid common pitfalls.

Get on our phone calendar, for free, at TuckerRetirement.com.

Mary is weighing a big decision: Should she sell a specific stock to pay for her health insurance until she turns 65 and qualifies for Medicare?

In this episode, we walk through the factors she—and anyone in her position—needs to consider, from taxes and investment strategy to healthcare costs and risk management. 

If you’re facing the challenge of bridging the health insurance gap before Medicare, this conversation will help you understand your options and the trade-offs involved.

Get on our phone calendar, for free, at TuckerRetirement.com.

Dennis has questions about the cost basis of a primary residence, mortgage interest deductions, and other key homeownership tax topics.    In this episode, Scott explains how cost basis is calculated, what expenses can be included, and how mortgage interest rules work under current tax law.    We’ll also touch on capital gains exclusions, recordkeeping tips, and ways to make smart tax moves when buying or selling a home.

Get on our phone calendar, for free, at TuckerRetirement.com.

Fred’s got a big decision on his hands: Should he cash out his life insurance policy or keep it in place? 

In this episode, Scott explains how life insurance cash values work, the tax implications of a surrender, and the factors to consider before making the call. 

We’ll look at when cashing-out might make sense, when it could be a costly mistake, and how to align the decision with your overall financial plan.

Get on our phone calendar, for free, at TuckerRetirement.com.

Laurie has a unique question: 

Can you use a Roth IRA as a sinking fund for short-term goals? 

In this episode, Scott breaks down how Roth IRAs work, what a “sinking fund” really is, and the pros and cons of mixing the two.

We’ll cover tax implications, contribution limits, withdrawal rules, and when it might make sense—or not—to use a retirement account for non-retirement spending. Whether you’re thinking about a big purchase, planning for future expenses, or just curious about maximizing your Roth, this episode gives you the clear, practical guidance you need.

Get on our phone calendar, for free, at TuckerRetirement.com.