6 Months to Retirement: The $1.2M Protection Checklist

Critical moves that could save the average retiree $1.2M in lifetime taxes, penalties, and missed benefits

The Details

THE PART MOST PEOPLE MISS: The 6-month window between stopping work and starting Social Security is often your lowest tax bracket for life. This one-time opportunity for aggressive Roth conversions typically closes forever once SS and RMDs begin.

What this means for you

Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.

Next step

If you want to see how this applies to your specific situation, take the free Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.