For retirees with large IRAs

Who Pays Your IRA's Tax Bill First: You, Your Spouse, or Your Kids?

Get the 30-Day Roth Accelerator Handbook and see how RMDs, Medicare surcharges and survivor brackets could change your family's tax bill in retirement.

Send Me the Handbook ↓

Why "doing nothing" with a large IRA often shifts the tax bill onto the surviving spouse and the kids.
A simple 30-day framework to decide whether to convert, and how fast.
How to spot the years when conversions help, and the years when they quietly backfire.
What to ask your advisor or custodian before you move a dollar.

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
IRS Enrolled Agent · 230 pages · full digital edition

Send me the handbook

The full PDF arrives by email in a few minutes.

First name Email Cell phone

So we can follow up if you want help with your numbers. No spam. No sharing.

When do you want to start Roth conversions? Family PRE-TAX retirement balance What's your biggest question or concern? (optional)

We'll email you the book and occasional plain-English retirement tax lessons. Unsubscribe anytime.

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 60 to 75.
Most of your savings, usually $1,000,000 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 about your accounts and your phone

Fair question. Here's the honest answer.

Your balance tells us which conversation fits you. A $400,000 IRA and a $4,000,000 IRA face different tradeoffs.
If your situation is complex enough that the stakes are high, we may invite you to a call to walk through it. No obligation.
Your phone is only for that follow-up. 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.

Send 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

Send Me the Handbook