When you have a large IRA, most people see two choices:

1. Do nothing

   → Let it grow, then get crushed by massive RMDs and big tax bills later in life.

2. Convert aggressively now

   → Do huge Roth conversions, voluntarily creating giant tax bills today.

I don’t love either option.

With many clients, we pursue a third approach:

Use tax‑aware investments and planning to reduce the problem while minimizing tax friction along the way.

In the new video, I walk through 3 Roth conversion scenarios on a $5M+ IRA and show:

• What “do nothing” actually looks like in dollars
• What “do taxable Roth conversions” looks like (and why it often feels terrible)
• How we use real estate and tax‑aware hedge funds to create deductions and move money from pre‑tax accounts to Roth more intelligently

If you have a big IRA and know the RMD problem is coming, this is for you.