Bracket-Window Audit: The Mid-Year Tax Strategy Brief · SFM
The Bracket-Window Audit: Mid-Year Tax Strategy for $1M–$3M Households A five-step decision sequence that coordinates Roth conversion sizing, IRMAA thresholds, 0% LTCG capacity, NIIT drag, and RMD onset — locked before the Jul 28–29 FOMC decision. The order is the whole game.This is a four-minute read for households running the mid-year tax audit with $1M–$3M […]
Why Most Roth Conversions Fail Coordination Math (Not Market Timing)
By Mike Allen, CFP® · Managing Partner, Security Financial Management · CRD #3153161Reviewed by Dave Allen, CFP® · CRD #1210763 · July 6, 2026 · Last reviewed July 6, 2026 Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC (Kestra IS). Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS). Security Financial Management, […]