Perspective

Roth Conversions in Early Retirement

Filling lower tax brackets between retirement and Required Minimum Distributions can reduce lifetime taxes. We plan multi‑year conversions around healthcare subsidies and Social Security timing.

Giving Strategically: QCDs, DAFs, and Bunching

Charitable tools and timing can increase impact and tax benefits. We coordinate with your CPA to implement the right approach for your goals.

Sequence of Returns and Cash Buckets

Smoother withdrawals come from matching near‑term spending with stable reserves while keeping long‑term assets invested for growth.