Guides
Plain-English guides to the tax rules that move your plan.
Deep dives on the cliffs, brackets, and deadlines that shape a retirement plan — written to be read without a CPA.
Roth conversions before 65 have a hidden second price
Filling a low bracket with a Roth conversion looks free — until you remember marketplace coverage is means-tested. Here's how losing an ACA subsidy can add nine points to your effective marginal rate.
IRMAA cliffs: the Medicare surcharge that arrives two years later
A single dollar over an income threshold can raise your Medicare premiums by hundreds — and the bill shows up two years after the income. Here's how the tiers work and where the real cliffs sit.