Pre‑retiree tax case study
A retirement planner shared a recent case study highlighting proactive Roth conversions, charitable structures and bracket analysis as differentiators versus passive 'preparation'—a tactic that addresses RMD and legacy pain points. The post underscores the sales power of proactive tax planning for clients with large IRAs. (x.com)
Kurt Supe is a CPA and retirement planner listed on Creative Financial Group’s team pages and registered as an investment adviser with CRD records showing long-tenured industry experience. (creativefinancialgrp.com: ) (creativefinancialgrp.com) Supe’s social channels include a YouTube channel with multiple recent videos on Roth conversions and retirement planning, signaling the same educational content strategy behind the X post. (youtube.com) The “Roth + charitable” tactic highlighted in the case study mirrors Fidelity Charitable’s example where a $100,000 donor-advised fund gift was shown offsetting a $100,000 Roth conversion in the same tax year. (fidelitycharitable.org: Roth conversion case study PDF) (fidelitycharitable.org) Qualified charitable distributions (QCDs) still allow direct IRA-to-charity transfers for owners age 70½ and are indexed for inflation — the industry and custodial notices list the 2026 QCD cap near $111,000 and confirm QCDs can satisfy RMDs without adding taxable income. (northerntrust.com: QCD rules; irs.gov: QCD guidance) (northerntrust.com) Bracket-driven conversion playbooks used in the post rest on the IRS’s 2026 inflation adjustments (for example, the top 37% marginal rate applies above roughly $768,600 for married filing jointly and the 2026 standard deduction for MFJ rose to $32,200), which advisors model when slicing conversions to stay within targeted brackets. (taxfoundation.org: 2026 brackets; irs.gov: 2026 adjustments) (taxfoundation.org) Supe’s framing of proactive conversion planning aligns with advisor marketing playbooks that position Roth-case studies as lead-gen content and client-education tools, a tactic promoted in industry guides and advisor-facing outlets as effective for converting prospects into planning clients. (advisorperspectives.com: Roth conversions insights; skylinesocial.com: Roth conversion leads) (advisorperspectives.com) The case study’s omission of trade-offs is notable: industry analyses repeatedly flag IRMAA and Medicare-premium consequences from large single-year conversions and recommend multi-year, bracket-aware conversions to avoid two-year lookback premium spikes. (kiplinger.com: Roth conversions and IRMAA; finhelp.io: IRMAA timing) (kiplinger.com)
