Roth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?”

Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower Medicare premiums and Social Security taxation, and provide insulation from future tax increases. Yes, there can be short-term friction — higher taxable income or temporary IRMAA surcharges — but for many households, those are time-boxed issues in exchange for long-term control, certainty, and tax-free wealth.

In this episode of Retirement on the Horizon, we dive into 5 high-level social security updates for 2026 and how they impact your social security decisions.

Through a case study, we explore how to make your social security potentially tax-free as well as leaving nearly 3X more to heirs while not sacrificing current life style.

By now, many have heard of the Silver Tsunami—the wave of baby boomers who currently or will shortly need some form of long-term care. This is a reality to the vast majority of retirees—now or in the future—will face. Unfortunately, most have not planned for it—either overlooking it or not being informed on the best choices for their situation. Make no mistake: long-term care planning is part of your retirement planning, whether you actively plan for it or not.

Modern advances in long-term care options have largely done away with the “use-it-or-lose-it” type of coverage that gives so many retirees understandable consternation. Further, the choice to “self-insure”—even for those that truly can afford it—is no longer good math with newer planning options. In this episode, we explore these modern approaches and give real-world case studies to demonstrate the advantages of modern long-term care planning.

When creating a retirement strategy, remember the acronym P.L.A.N.

Predictability - value predictability over potential

Low-correlation - strive include strategies and asset classes that do not require the market to perform in order for you to succeed

Alignment - ensure that each component of you strategy reinforces and compliments the others rather than (unknowingly) creating friction

Net-income - choosing tax-free/efficient strategies in place of tax-deferred/hostile strategies can be the difference between a retirement of plenty and one of scarcity

Also, follow along in our case study where we demonstrate P.L.A.N. in action and create 5 streams of tax-free income while increasing potential net-spendable income by 59%.