This episode explains why the early years of retirement can be a powerful tax-planning window, especially for Roth conversions before required minimum distributions begin. Jewels Harris discusses how converting IRA money to Roth money can lower future RMDs, reduce future taxable income, potentially help with Medicare Part B costs, and create tax-free income for the retiree, spouse, or heirs. The conversation also covers inherited IRA rules, including the importance of correct beneficiary setup and the 10-year withdrawal window for many non-spouse beneficiaries. Jewels emphasizes that late-career catch-up contributions can help workers boost savings before retirement, but higher earners need to understand contribution limits and Roth-related rules. The mailbag segment adds practical planning points on qualified charitable distributions, keeping the right amount of cash, helping adult children without damaging retirement, widowhood tax surprises, and leaving vacation property to heirs. Overall, the episode encourages listeners to get proactive advice before timing mistakes, tax rules, or inheritance issues turn into costly surprises.