The Retirement Tax Trap: Reduce Taxes, RMDs & IRA Mistakes
Learn how to reduce taxes in retirement, avoid IRA mistakes, and make smarter withdrawal and Roth conversion decisions.
Your IRA is an IOU to the IRS — and taxes may be the biggest, most overlooked threat to your retirement income.
Most retirees don’t realize it until it’s too late.
In this powerful webinar, Beau Henderson shares proven strategies to reduce your lifetime tax bill, protect your income, shield your spouse from future tax burdens, and create a tax-smart legacy.
You’ll discover:
- The #1 tax question to answer before you retire
- Hidden traps with IRAs, RMDs, and Social Security
- How your withdrawal strategy affects Medicare premiums
- When and how to use Roth conversions for lifelong tax savings
- Smart (and costly) rollover moves
- Why surviving spouses often face higher taxes on lower income — and how to plan ahead to protect them
These strategies can change the trajectory of your retirement — and the legacy you leave behind.
These strategies are especially important if you’re in your 50s to early 70s with $500,000 or more in investable assets and want to protect what you’ve built.
Need help applying these strategies to your own plan?
Schedule a consultation or email us at info@richlifeadvisors.com
📞 Call: 770-249-RICH
📧 Email: info@richlifeadvisors.com
Don’t forget to download your free resources:
TIMESTAMPED HIGHLIGHTS:
00:08 – Welcome and what to expect
01:11 – Why retirement tax planning is essential (and different from financial planning)
06:36 – IRAs, Roth conversions, and the “IOU to the IRS” concept
18:49 – Will taxes be higher in the future? History says yes
27:55 – Roth conversion strategies: timing, brackets, and dollar-cost averaging
33:34 – The widow’s penalty and tax challenges for surviving spouses
48:43 – Strategic claiming of Social Security survivor benefits
51:27 – Do trusts help or hurt in tax planning?
56:00 – Giving smarter: QCDs, donor-advised funds, and charitable tax strategies
1:01:49 – Reactive vs. proactive tax planning: why timing matters
1:10:00 – Wrap-up, action steps, and engagement giveaway
Disclaimer: RichLife Advisors, LLC provides investment advisory services through Fiduciary Capital, Inc. James Henderson (Beau) is a licensed insurance professional in GA. RichLife Advisors and Fiduciary Capital Inc are not affiliated companies
RichLife Advisors does not provide tax or legal advice. Please consult the appropriate professional regarding your individual circumstance. Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event.
Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.