We help a lot of people solve the tax problem that comes with large retirement accounts.

Whether you:

• Built one through a cash balance plan as a business owner
• Have a self‑directed IRA with big gains
• Collected company stock that’s gone through the roof
• Or just saved diligently in a 401(k) and let compounding do its thing

…you’ve got a great problem: a big pre‑tax balance.

The government wants to tax that money, so in your 70s they force withdrawals from those accounts. The percentage you must take out goes up every year.

That’s the RMD trap:

• Forced income
• At higher and higher levels
• In years when you might not need or want it

What we do is get ahead of the problem with something I half‑jokingly call the “super duper mega tax‑free Roth conversion.”

In plain English:

• We use investment strategies (real estate, tax‑aware hedge funds, etc.) that can realize ordinary deductions
• We pair those deductions with conversions from pre‑tax accounts into Roth IRAs
• The goal is to move as much as possible from “taxable later” to “never taxed again”

Once the money is in your Roth:

• Future growth is tax‑free
• Qualified withdrawals after 59½ are tax‑free
• There are no RMDs, and your heirs inherit a much cleaner asset

If you’re sitting on a large IRA/401(k) and can see the RMD problem coming, this is exactly the kind of planning I build. If you want to see what a tax‑aware Roth conversion strategy could look like for your situation, the easiest way to explore it is a brief call – link’s in my profile.