If you’ve got a $2M+ nest egg, taxes can eat more of your retirement than a market dip. Here’s the coffee break version: Use Roth conversions to pay taxes on your terms, not Uncle Sam’s. Time your withdrawals and charitable gifts to keep your tax bill low and your Medicare premiums in check. The real hack? Treat year-end as your chance to play offense, not defense, so more of your money stays in the family, not the IRS. #Business #MakeMoney #retirement