In this case study, financial planner Ryan Rinehart examines the retirement plan of Dave and Mary, a couple aged 63 and 60 with $1.8 million in savings and two pensions. While their income is strong, their large tax-deferred accounts create a looming tax problem through required minimum distributions. Ryan walks through Roth conversion strategies—from conservative to aggressive—showing how proactive tax planning could save over $500,000 in lifetime taxes and significantly reduce the tax burden passed on to their heirs.
