Taxes aren’t “later”—they’re shaping every decision you make this year. Ryan Moore breaks down Roth conversions, the real difference between tax prep and tax planning, and why “taxes on sale” has a deadline. Hear when conversions can backfire, how IRMAA and capital gains surprise retirees, and why second opinions feel awkward—but reveal fees, liquidity gaps, and cookie‑cutter portfolios. Plus: simple health habits and why planning forward beats staring in the rearview mirror.

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