•    Why a Roth conversion works — and the honest math on when it doesn’t. The four reasons it wins have nothing to do with your rate of return. You’ll also hear the part most presenters skip: if your tax rate is identical going in and coming out, a conversion is a wash.

•    The three buckets your money can live in. Taxable, tax-deferred, tax-free. Most households have 80–90% of their retirement savings sitting in the one where the government sets the price later. You’ll leave knowing your own three percentages.

•    The five windows where a conversion actually pays off — plus the real costs. The Medicare surcharge cliff, the ACA subsidy trap, and the mistakes that quietly cost people thousands.

•    When high cash value life insurance belongs in a conversion plan — and the four times it does not. Both sides, including the three questions to ask anyone who ever shows you an illustration.

•    A hundred years of American tax rates, and why the “2026 sunset” pitch is dead. From 7% in 1913 to 94% in 1944 to where we sit now — and the three arguments for converting that survived the law change.

Presenters