Many high-net-worth retirees in the $2M to $8M asset range work hard to stay inside the 24% tax bracket. This episode explores why intentionally moving into the 32% tax bracket today can protect your family from hitting 35% or 37% tax rates later in retirement.

Episode 49 of Retirement Tax Matters breaks down why multi-year Roth conversion planning must be treated as an annual process rather than a static five-year document. Garrett and Adam address the common desire among retirees in the $2M to $8M range to establish a fixed conversion schedule, explaining how shifting tax laws, market movements, and income adjustments render long-term predictions unreliable.