エピソード

  • Roth Conversion Windows: When Timing Matters Most

    Roth Conversion Windows: When Timing Matters Most
    2026/05/29
    Not every Roth conversion is a good strategy. In this episode, Megan explains how timing, tax brackets, estate goals, and liquidity all influence whether a Roth conversion makes sense. She also discusses market downturn opportunities, inherited IRA challenges, and how strategic planning windows can create long-term tax efficiency for both retirees and future generations.
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    14 分
  • Tax Bracket Engineering: How to Build a Smarter Retirement Income Strategy

    Tax Bracket Engineering: How to Build a Smarter Retirement Income Strategy
    2026/05/29
    Many retirees assume their taxes will automatically go down once they stop working, but for affluent families, the opposite can happen. In this episode, Megan Clark explains the concept of tax bracket engineering and why intentional withdrawal planning matters long before Required Minimum Distributions begin. From Roth conversions and qualified charitable distributions to Social Security timing, direct indexing, and capital gains planning, this episode shows how strategic income design can help families reduce unnecessary tax exposure and create a more efficient retirement plan.
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    15 分
  • Why Retirement Planning Needs a Blueprint — Not Just Investments

    Why Retirement Planning Needs a Blueprint — Not Just Investments
    2026/05/29
    Most people spend their lives collecting financial accounts, investments, and insurance policies — but few ever build a coordinated strategy around them. In this opening episode, Megan Clark introduces the philosophy behind the Brighter Financial Blueprint™ and explains why retirement planning should focus on intentional design, not just account balances. From “junk drawer investing” to tax efficiency and retirement income sequencing, this episode lays the foundation for a more strategic approach to wealth planning.
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    11 分