A simple Roth move can quietly trigger a massive tax hit if timing is off. This episode explores how Roth conversions can shift tax brackets, impact Medicare costs, and why timing matters more than most expect. Todd Kim explains “bracket creep,” missed windows of opportunity, and how tax mapping helps guide multi‑year decisions. The conversation also covers planning for healthcare expenses, understanding lesser, known retirement tools, Social Security uncertainty, and the importance of a clear financial plan over vague assumptions. From income strategy to legacy decisions, this discussion highlights how small missteps can reshape long-term outcomes.

For more information and to schedule a complimentary consultation with Todd Kim, visit https://galileowealth.com.