The Roth Conversion Formula: How to Stop Losing Up to $152,000 in Retirement Taxes You Don’t Have to Pay — Strategies for Your IRA and 401(k) Before RMDs Decide for You (+ Worksheets)

RMDs Are About to Push You Into a Higher Tax Bracket. This Book Shows You the Exact Formula to Stop It.You have hundreds of thousands of dollars in your IRA or 401(k). You're retired or close to it. And in a few years, Required Minimum Distributions will force you to withdraw more than you need—pushing you into the 24% or 32% bracket, triggering IRMAA surcharges up to $10,656/year on your Medicare, and handing your children a tax bill of 35–46% on everything they inherit.One family lost $152,000 to this exact scenario. They had ten years of low tax brackets and used none of them.The Roth Conversion Formula gives you the step-by-step math to figure out exactly how much to convert, when to convert, and whether to convert at all—based on your numbers, not someone else's opinion. No jargon. No guesswork. Fill in your numbers in the worksheets, follow the bracket-filling method, and you'll see your answer in black and white. WHAT'S INSIDE: The bracket-filling formula— exactly how many dollars to convert each year without jumping a bracket or triggering a cliff 10 real case studies with full math— from the family that saved $285,400 to the one that should NOT convert The 6 variables that determine if a conversion saves you six figures or costs you The widow penalty, the Social Security torpedo zone, and the inherited IRA crisis—with the numbers A weekend planner: 8 hours from "I should do something" to "it's done"PLUS: 6 FREE DOWNLOADABLE WORKSHEETS—PLUG IN YOUR NUMBERS AND SEE YOUR CONVERSION ROOMFOR YOU IF: You have hundreds of thousands in tax-deferred accounts, you're approaching retirement or recently retired, and you want to stop the IRS from deciding how much of your retirement you get to keep. The gap years between retirement and RMDs won't last forever. This book shows you how to use them—this weekend. Scroll up. Click "Buy Now." By Sunday, you'll know your number.