Should I do Roth conversions before RMDs start?

For many pre-retirees, the window between retirement and age 73 is the best time for Roth conversions. Income is lowest before Social Security and RMDs begin, meaning you pay a known rate now vs. a higher rate later. Roth IRAs have no RMDs and pass tax-free to heirs. Continuum Wealth Advisors helps clients model the right conversion amount each year.

What are the best tax strategies for retirees?

The most impactful: (1) Roth conversions before RMDs at 73; (2) QCDs to satisfy RMDs tax-free; (3) tax-efficient withdrawal sequencing; (4) IRMAA management; (5) Social Security timing. Continuum's CFA, CFP, and CPA team coordinates all five.

Is $1 million enough to retire in New York?

Often not on its own. At the 4% rule that's $40K/year. Combined with Social Security it may reach $64K-$88K — but NY's high cost of living and healthcare costs mean it depends heavily on your spending, taxes, and investment returns. Continuum Wealth Advisors models each client's specific situation.

Retirement Planning Education – Continuum Wealth Advisors

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The Biggest Mistakes Retirees Make (And How to Avoid Them)

Avoid retirement mistakes by planning taxes, investments, Roth conversions, and market downturns early.

Should You Change Your Financial Advisor When You Retire?

Consider whether your advisor still fits your needs as you approach retirement.

Navigating Market Volatility: A Conversation with David Rath and Pat Kalish

Understand market volatility drivers and what retirees should avoid doing during uncertainty.

Will AI Replace Financial Planners?

AI can build portfolios, but still cannot replace fiduciary financial planning judgment.

Q&A Blog: 529 to Roth IRA Conversions: The Ultimate Guide to the Secure 2.0 Strategy

Learn the key rules for rolling unused 529 funds into a Roth IRA.

Does "Set It & Forget It" Really Work?

Passive investing helps, but retirees must account for sequence-of-returns risk.

(Legally) Avoiding the 10% Early Withdrawal Penalty

Learn key exceptions that allow penalty-free retirement withdrawals before age 59½.

Q&A Blog: Your Top Investment Questions for 2026, Answered

Review 2026 investment themes, including AI, bonds, diversification, and retirement positioning.

Retirement Transition Q&A: 3 Critical Investment Steps for New Retirees

Plan the shift from saving to spending with cash reserves and withdrawal discipline.

Financial Advisor Red Flags: What "Fiduciary" Really Means & How to Spot Bad Advice

Learn fiduciary standards, advisor red flags, and questions to ask before hiring.

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