01
Roth conversion math resets
If the market pulls back in Q1, conversion opportunities can open quickly, but only if the bracket strategy is already mapped.
For households $500K+Independent fiduciary networkNationwide · virtual
A Briefing for Pre-Retirees · $500K+
Congress just made 2026 tax rates permanent.
Three planning windows close before April.
The Big Beautiful Bill rewired Roth conversions, RMD timing, and the new senior deduction. Watch the briefing, then book a call with a Select Advisor who has already rebuilt the playbook.
Fee-based · No commissionsIndependent fiduciary networkNo pressure, no pitch
Watch first14:42
6,300+Plans reviewed
$500K+Minimum to qualify
50 statesVirtual, nationwide
FiduciariesAll of our select advisors adhere to the highest standards.
The retirement tax playbook changed midstream.
For two years, retirees heard the same warning: taxes were going up in 2026, so accelerate income and convert to Roth accounts before the deadline. Then Congress made most of those lower rates permanent, changing the math for households that acted on old assumptions.
The new law did not simply freeze the old code. It added a senior deduction, mandatory Roth catch-up rules for certain high earners, and short planning windows that close early in the year. The issue is not whether Roth conversions are good or bad. The issue is whether your plan still matches the rules that actually exist.
The briefing above walks through the new windows and the one question to ask an advisor: how did the Big Beautiful Bill change your recommendations for someone in my situation?
The framework
Three planning windows close early, so the plan has to move before the year gets away.
02
RMD timing sets the bracket
Taking an RMD in January versus December can lock in a different tax year. The choice should be intentional, not accidental.
03
Senior deduction phaseouts depend on income
The new deduction can be valuable, but withdrawals, Social Security, and investment income can push a household over the line.
Who builds your plan
A select network of independent fiduciary advisors.
The Right Retirement Plan doesn't manage money. We publish the research, then route qualified households to a short list of vetted independent fiduciary advisors who actually run the five-layer model end-to-end.
You're not getting a call center. You're getting one advisor, matched to your situation, in your state.
Fiduciaries
All of our select advisors adhere to the highest standards.
All five layers, in-house
Tax, income, investments, estate, and protection coordinated under one plan — not five disconnected vendors.
10+ years working with pre-retirees
Every advisor in the network has spent at least a decade on the retirement-income problem — not accumulation.
Background-checked, reviewed quarterly
Clean U4, no disclosure events, ongoing client-feedback reviews. If a complaint sticks, they're out.
See if your household qualifies.
Takes about 30 seconds. We'll confirm a fit before booking anything. No third-party calls.