Why Having $300K in Your IRA After 65 Could Cost You $40,000 in the 2025–2028 Tax Window

Описание: If you are 65 or older and have retirement savings in a traditional IRA or 401(k), the One Big Beautiful Bill Act of 2025 provided a huge tax opportunity for the next four years. Most American retirees do not know it exists. In this video, I explain how the OBBBA law overturned tax savings for retirees for the first time in 2025 to 2028, and how it could be your final opportunity for tax savings of $8,000-$40,000+ in your lifetime.

What You’ll Learn: The new $6,000 senior bonus deduction that combines with your standard deduction to protect up to $47,500 of income to the federal government. How married couples over 65 can move $50,000+ from a traditional IRA to a Roth with NO federal taxes How to do tax gain harvesting: sell appreciated stocks at 0% capital gains tax and obtain a completely tax-free reset of your cost basis. Beginning at 73, decrease future required minimum distributions (RMDs) by 20 – 30%. Real example: married couple, both 67, with $125,000 income, deductions alone saved $5,700.


DISCLAIMER: This video is for educational purposes only. Nothing in this video is personalized tax or financial advice. Laws regarding taxes are sensitive and individual circumstances can differ quite a bit. Before employing any tax strategy discussed in this video, speak with a certified financial planner (CFP) and certified public accountant (CPA), or enrolled agent.