My new book: Kaizen to Retirement

A practical guide for pre-retirees and retirees on Roth conversions, RMDs, and retirement planning.

Available now on Amazon in paperback and Kindle.

What you’ll learn

When a Roth conversion makes sense, and how much to convert each year

When RMDs begin under SECURE 2.0, and how to avoid penalties

How conversions affect Medicare premiums (IRMAA) and Social Security taxes

How to build a resilient, low-cost portfolio

How to protect your savings from AI-powered scams

Who this book is for

This book is written for people who are five to ten years from retirement, and for retirees who want to make sure their savings last. It is especially useful if most of your savings are in a 401(k), 403(b) or traditional IRA, because those accounts will eventually require minimum distributions and can create a large tax bill later in life.

If you have wondered whether a Roth conversion makes sense for you, how much to convert, or how it could affect your Medicare premiums and Social Security taxes, this book walks you through the decision step by step, with clear examples.

It is also written for do-it-yourself investors who want to understand the strategy before deciding whether to work with an advisor. You will find practical checklists you can use every year to review your taxes, your investments and your withdrawal plan, which is the heart of the Kaizen approach: small, steady improvements over time.

Want help applying it to your own plan?

Read the book, then let’s talk about your situation.

I offer hourly, fee-only financial planning, with no products to sell and no percentage of your assets.

You get a written plan and a prioritized action checklist.