My hope is this is the only episode you ever have to listen to if you want to implement a Roth conversion. You will know if you should implement one, if you should not implement one, when it makes sense, when it doesn't, all that good stuff. Now, I'm going to start with a story. And this is a real story before I get into some specifics, an example, review of the week, all of that good stuff. So a client came to me, and they're a current client now,

but when they came to me, they said, Ari, my tax preparer sucks. That was the word they used, okay? I said, a little bit of a weird word, but okay, why do they suck? They go, well, they didn't even tell me that tax brackets are about to change. If I do a Roth conversion, it's going to actually save me more on taxes now

versus later. I said, okay, what else? They go, they didn't tell me if I inherit some of this money

from my dad, that there's a schedule and I can optimize the way I pull income based on my income every

year and all this stuff. I go, cool, what else? They go, they also didn't even tell me that based on my current tax

bracket I'm in, if when I retire, I might be able to sell some of the stocks I've purchased and pay

zero percent in taxes. And I said, okay, they're never going to do any of that stuff. And they're

like, you agree. They suck. I go, no, what you're asking for is different from what we do. So what they do,

they're a tax preparer. Their jobs to repair your taxes and go, John, Jane, you know, if I do a good

job for you, would you pay me again next year? And it is a valuable job. They actually love us,

tax preparers. We do tax planning, which is all of the forward-looking aspect of tax planning.

So how do we minimize your lifetime tax liability, not just a single year?

So I know a lot of you are just listening on the podcast app, but if you're actually watching this on

YouTube, I'm pulling up a checklist just so you can see the difference, but I'll explain it,

which down here in the corner, you can see it says tax prep services. They are going to prepare your return. Now, that's what I just shared from this person who came to me and they were upset. They're like, why isn't my tax repair doing the stuff you're talking about? Well, they're never going to. They probably have 400 clients and they're just so swamped. They're trying to just file returns and they're probably

playing catch up most of the time. We want to be proactive. So as things are changing, we can adapt.

So what you can see in my screen here, this is what we're doing. And transparently, this is the main

reason people are working with us because it's, yep, I need help with all the conversions and the

harvesting and charitable giving and planning for

Irma and estate planning and health care subsidy planning and real estate.

And what if I inherit a lot of money and equity compensation and for my personal business

and provisional income and all of this stuff that you're seeing here, this is what a tax planner

...