Cannon Wealth Solutions

How Unplanned RMDs Cost Retirees $100K in Extra Tax…

Between retirement and age 73, income is at its lowest - which means Roth conversions can be done at 12% or 22%. But the moment forced withdrawals begin, that window closes permanently.

In this clip, we break down why converting now versus being forced into the 24–32% bracket later can save six figures in lifetime taxes, and why RMDs aren't the problem - unplanned RMDs are.

Educational only. Talk to a professional about your situation.

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Why Your Social Security Timing Could Lock You Out…

Most people optimise their Social Security claim around the size of the check. But for anyone with $1M or more in pre-tax accounts, the claiming strategy has almost nothing to do with the check - and everything to do with how it fits inside the rest of the plan.

In this clip, we break down the three questions that actually matter: what combined income looks like at 73 when RMDs stack on top of a maximised benefit, whether the Roth conversion window is still open, and what the surviving spouse's financial picture looks like the day one of you is gone.

Educational only. Talk to a professional about your situation.

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Why Claiming Social Security Early Can Save $100K in Tax…

The Roth conversion window runs from the day you retire to the day RMDs begin. Delaying Social Security to 70 often closes that window before it's ever used - because funding lifestyle from the IRA during the delay years fills the tax bracket with no room left to convert.

In this clip, we break down how the early claimer keeps IRA withdrawals smaller, preserves bracket space, and converts $50,000 a year at 22% instead of being forced into the 24–32% bracket at 73 - a difference that can save $80,000–$100,000 in lifetime taxes.

Educational only. Talk to a professional about your situation.

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How Delaying Social Security Triggers Medicare Surcharges…

Couples who delay Social Security to 70 often fund their lifestyle by drawing $70,000–$90,000 a year from the IRA during the delay years. Medicare uses income from two years prior to set premiums - so by 65, the surcharges are already locked in based on what was withdrawn at 63.

In this clip, we break down how IRMAA surcharges can run $3,000–$5,000 per person per year, why they stay triggered once Social Security stacks on top of IRA income at 70, and how the early claimer avoids this entirely by controlling their Medicare-relevant income from the start.

Educational only. Talk to a professional about your situation.

✅ Watch The Full Video On YouTube