The Three Tax To Dos

The 40% Tax Surprise

This episode uncovers how Required Minimum Distributions (RMDs) can trigger a costly chain reaction that catches even the most diligent savers by surprise. Learn how RMDs work, why many retirees misunderstand their true tax impact and how a seemingly routine withdrawal can reshape your entire retirement income strategy. This episode provides valuable insights into one of the most important retirement planning issues facing Americans today.

Why Roth Conversions Are All the Rush

This episode dives into the growing surge of Roth conversions and explores why they’ve reached record levels among retirement savers. Roth conversion activity is up 41% year-over-year and more Americans are directing retirement dollars into Roth accounts. The podcast breaks down what’s driving the trend, how Roth conversions work and the benefits of tax-free growth, avoiding required minimum distributions and creating a more flexible retirement income strategy.

The 2026 Tax Reset

This podcast discusses the “2026 Tax Reset” and why the biggest tax-saving opportunities are often won (or lost) long before tax season arrives. Many people assume April is when tax savings happen In reality, critical decisions made during the second half of the year can determine whether they keep more of their income or overpay the IRS by thousands of dollars. The episode explores how income changes, bonuses, major purchases and other financial events can create planning opportunities that disappear once the calendar year ends.

The Risk of Tax Deferred Accounts

This podcast explores the often-overlooked risks of building retirement savings primarily in tax-deferred accounts such as traditional 401(k)s and IRAs. The discussion challenges the common belief that tax deferral automatically leads to tax savings, explaining how future withdrawals, required minimum distributions (RMDs) and changing tax rates can significantly reduce the amount retirees ultimately keep.

The 2026 Roth Revolution

This episode unpacks the “2026 Roth Revolution,” a sweeping set of rule changes that could fundamentally reshape how Americans manage their retirement savings. With a focus on 401(k)s and employer-sponsored plans, the discussion highlights how upcoming changes to Roth rules will impact contribution strategies, taxation and long-term planning. There’s an emphasis on the importance of understanding how legislative risk could significantly alter the retirement landscape for savers. These new rules raise the stakes for key financial decisions, particularly 401(k) rollovers and Roth IRA conversions. The episode breaks down what actions savers should consider now to protect their wealth, minimize future tax burdens and maintain control over their retirement income.