In this video, Ryan Rinehart of Denali Financial Group presents a case study of Bill and Lisa, a retired couple with $1.5 million in pre-tax retirement savings, facing over $1 million in projected lifetime taxes. He explains how incremental Roth conversions can reduce their tax bill by more than $100,000 while maximizing tax-free inheritance for their children. The video also covers Required Minimum Distributions, the widow’s penalty, and strategies for avoiding IRMAA Medicare surcharges.
