Episode 49 of Retirement Tax Matters breaks down why multi-year Roth conversion planning must be treated as an annual process rather than a static five-year document. Garrett and Adam address the common desire among retirees in the $2M to $8M range to establish a fixed conversion schedule, explaining how shifting tax laws, market movements, and income adjustments render long-term predictions unreliable. The show details a repeatable seasonal framework that moves from spring tax return reviews to fall income projections, helping retirees systematically fill lower tax brackets while maintaining flexibility year after year.

We have developed a 5-step framework for what tax planning looks like for High-Net-Worth Retirees between $2M-$8M. It walks you through each season of the calendar year and how we implement tax-return driven financial planning for clients. Request a free resource using this link: https://www.retirementtaxmatters.com/checklist

• (00:00) - Multi-Year Roth Conversions
• (02:00) - Escaping the Financial Advisor Bubble
• (04:35) - Lump-Sum vs. Annual Conversions
• (06:00) - Tax Return Driven Financial Planning & The Year-End Checklist
• (08:35) - The Flaw of Static Conversion Numbers
• (11:58) - Avoiding IRMAA Surcharges & Net Investment Tax Pitfalls
• (12:20) - Small Incremental Changes
• (14:20) - Building Your Repeatable Annual Conversion Process

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