Front TRLT.pdf | 1 |
Pages_Stonewood_The Road Less Taxed_DC.pdf | 2 |
Prologue | 9 |
The Challenge Facing Washington | 11 |
The Impact of Washington on Your Retirement | 12 |
The Growing Government Problem in Your IRA | 15 |
The New Risk on the Block | 17 |
Preparing for the Risks of Today — and Tomorrow | 18 |
Where it All Began: Market Risk | 18 |
Up Next: Income Risk | 21 |
Today’s Emerging Risks | 22 |
But Will it Impact ME? | 25 |
Retirement Reality | 27 |
And Then Washington Gets Involved | 30 |
A Silent Partner in Your IRA | 30 |
How Much Will This Partner Take? | 32 |
We’re in Trouble | 35 |
The State of U.S. Revenue & Spending | 36 |
The State of U.S. Spending | 37 |
Adding Up the Numbers | 38 |
The Impact on Today’s Savers | 40 |
Can We Fix Our Broken Budget? (And Why the Answer Matters to YOU) | 41 |
1 | Reduce Mandatory Spending | 41 |
2 | Reduce Discretionary Spending | 45 |
3 | Raise More Revenue | 46 |
How Can Taxes Rise? Let Me Count the Ways | 49 |
Changing Tax Bracket Rates | 50 |
Changing the Amount Applied to Each Bracket | 50 |
Changing Deductions | 51 |
Creating New Taxes & Taxing New Things | 51 |
Who is IRMAA? | 52 |
The Tax Wave of the Future | 54 |
So Taxes CAN Go Up. But Will They? | 56 |
That Beautiful Bill | 57 |
Lower Taxes Are Here to Stay (For a Little While … ) | 57 |
But Wait! There’s More! | 60 |
So … Taxes are Low, But Higher Taxes are Coming? | 61 |
Your Tax-Free Secret Weapon | 65 |
The Roth Revolution | 67 |
What’s a Roth Conversion, and Why Does it Matter to Me? | 71 |
Evaluating Roth Conversions | 72 |
Cut the Government Out of Your Retirement | 73 |
How to Do It | 75 |
Evaluating the Need to Convert | 76 |
1 | Will I likely pay more total taxes if I keep my IRA or if I convert to a Roth account? | 77 |
2 | Will converting funds move me into a higher tax bracket during my conversion years, and if so, how much more will I pay? | 78 |
3 | Will converting funds impact the government fees I owe each year, aside from taxes, and if so, by how much? | 78 |
Balancing Taxes, IRMAA, and Bracket Drift During a Conversion | 79 |
Next Steps for Ryan, and Maybe for You, Too | 84 |
Making the Complex Simple | 85 |
Change in Situation, Change in Taxes | 86 |
A Complete Approach | 91 |
Analyzing the Variables | 92 |
A Wake-Up Call | 96 |
Addressing Tax Risk in YOUR Retirement Approach | 97 |
But Wait! There’s More | 99 |
Epilogue | 101 |
Protecting Your Retirement from Washington | 101 |
A Retirement Workout | 102 |
About the Authors | 105 |
Becky Ruby Swansburg | 105 |
Neil Wilding | 107 |
Acknowledgements | 109 |
Blank Page | 4 |
Back TRLT.pdf | 111 |
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