Blog
Retirement planning ideas you can test, not just read.
These articles support the tools. The goal is not to make retirement planning feel fancy. The goal is to make the assumptions visible enough that you can argue with them.
Roth conversions
The hidden cost most Roth conversion calculators skip
Why the dollars used to pay conversion taxes still matter, even when they come from outside funds.
Tax payment source
Should you pay Roth conversion taxes from outside funds?
Outside funds can help more dollars reach Roth, but the cash used for taxes has its own lost growth.
Bracket planning
How much can you convert before leaving a tax bracket?
A simple way to think about bracket room without pretending a calculator is a full tax return.
Heads-up
Roth conversions and Medicare premiums: the warning to remember
A conversion can raise income, and higher income can affect future Medicare premiums.
Decision quality
When a Roth conversion may not be worth it
Roth conversions are powerful, but not magic. Sometimes the cleanest answer is to wait.
Buckets
Why retirement bucket strategies need a market-drop stress test
Watching buckets change during a downturn teaches sequence risk faster than a textbook definition.