For retirees 50–75 with $1.5M+ in pre-tax IRAs

Could your RMDs push your Medicare premiums higher?

Get your free digital copy of the 230-page 30-Day Roth Accelerator Handbook. No obligation. It arrives by email in a few minutes.

How RMDs and Medicare surcharges actually interact, year by year.
What happens to your tax bill when one spouse dies and the survivor files single.
When Roth conversions help, and when you're just paying the IRS early for nothing.

The 30-Day Roth Accelerator Handbook book cover

#1 Amazon New Release
The 30-Day Roth Accelerator Handbook
by Leibel Sternbach, EA, NSSA, ChFC, APMA
230 pages · free digital copy here · also on Amazon

As featured in

Leibel Sternbach, EA, NSSA, ChFC, APMA
IRS Enrolled Agent and founder of Yields for You. Specializes in retirement tax and survivor planning for IRA and 401(k) owners. Educating retirees since 2007.

What's inside the handbook

You saved. You deferred. You did what they told you.

Now the bill is coming due, and nobody has shown you how big it is on your numbers.

Why your RMDs only grow with age, and what they do to your tax bracket.
How one dollar over the line can raise Medicare premiums for both of you.
The day your spouse files single: same income, half the brackets.
The ten-year clock your kids inherit along with your IRA.
A 30-day framework to see whether to convert, how much, and in which years, and when the right move is to do nothing at all.

Investments can bounce back. Taxes, once paid, are gone.

Who this is for

This book is for you if:

You're 50 to 75.
Most of your savings, usually $1,500,000 or more, sits in IRAs and 401(k)s.
You've thought about Roth conversions and want a real plan, not a guess.
You care what happens to your spouse and your kids.

It's not for you if:

You're looking for a hot stock tip.
Retirement is still decades away.
You want a loophole. This is about paying your fair share, and not a penny more.

Why we ask for your phone

Fair question. Here's the honest answer.

It's optional. Leave it blank and you'll still get the book.
If you share it, it's only so we can follow up if you want help with your numbers. No obligation.
We don't sell your number, and you can tell us to stop any time.

Questions people ask before they download

Is this an annuity pitch?

No. It's a book about taxes and planning. There is no product for sale in the book.

Will you push me to move my money?

No. Plenty of readers run the 30-day framework on their own. If we ever work together, it's because your numbers say it's worth it. Not because I said so.

Does this replace my CPA or my advisor?

No. Bring them in. As an Enrolled Agent, I'm used to working alongside both.

I like doing this myself. Is it still useful?

Yes. That's who I wrote it for. Every step is laid out so you can see the impact on your own numbers.

Email Me the Handbook

From the author

I've run this analysis thousands of times. I have never once guessed the answer in advance.

My father died at sixty-three with no will and no plan. I built my firm so nobody else has to end up the way he did.

Read the book. Then decide. The choice is yours, but only if you make it.

Leibel Sternbach, EA, NSSA, ChFC, APMA

Email Me the Handbook