Large IRA balances can quietly turn into multi‑million‑dollar tax bombs once Required Minimum Distributions (RMDs) kick in.

I’m doing this right now for my own grandma.

In the video, I walk through why the standard advice – “just do Roth conversions in early retirement” – often isn’t enough and can even create new problems (higher brackets, IRMAA, sequence risk) if you do it blindly.

Then I show how we actually solve this for clients using targeted Roth conversions and better account placement:

• Reduce or even eliminate future RMDs
• Cut down your lifetime tax bill (not just this year’s)
• Move assets into Roth IRAs so your heirs inherit tax‑free buckets instead of tax bombs

If you (or your parents / grandparents) have a large IRA and no real plan for RMDs beyond “convert some to Roth,” this will help.

Give it a watch and share it with someone staring at a big IRA and no strategy.