Asset Protection
Minimizing Lifetime Taxes
Legacy Planning
Generational Wealth Building
Guard Against Rising Taxes
The current tax environment is at historic lows, but with sunset provisions on the horizon, the cost of inaction could be the single largest expense in your retirement.
Protecting a Surviving Spouse
The 'Widow's Tax Trap' is real. Planning today ensures that a surviving spouse isn't pushed into a higher tax bracket with fewer exemptions later.
Why Now?
Roth Conversion Windows
Every year you wait is a lost opportunity to move assets into a tax-free environment. Strategic conversions now protect you from future rate spikes.
Market Volatility Control
Don't let market swings dictate your tax bill. Proactive strategy allows you to take advantage of market dips to optimize your long-term tax liability.
What’s Inside the Book
Chapter 1
The "Tax Bracket Valley"
Explaining the unique window after you stop working but before RMDs and Social Security kick in.
Chapter 2
Filling the Buckets — Accelerated Roth Conversions
Moving money from traditional IRAs to Roth IRAs during those low-income years.
Chapter 3
The Social Security Tax Torpedo
Breaking down "Provisional Income," the stealth formula the IRS uses to tax up to 85% of benefits.
Chapter 4
The QCD Ultimate Weapon
Directing RMDs straight to charity, tax-free — up to $111,000 per year.
Chapter 5
The Longevity Insurance Shield
Using a QLAC to defer tax on up to $210,000 of retirement funds until age 85.
Chapter 6
The IRMAA Cliff
Timing capital gains and distributions to protect Medicare premiums from hidden spikes.
Chapter 7
Asset Location vs. Asset Allocation
It's not just what you own, but where you own it.
Chapter 8
Tax-Smart Healthcare
HSA shoeboxing, medical expense thresholds, and deducting long-term care premiums.
Chapter 9
The Ultimate Clean Slate — "Step-Up in Basis"
Preventing the mistake of gifting appreciated real estate or stock to children while alive.
Chapter 10
Defeating the "Surviving Spouse Bracket Trap"
Structuring trusts, joint QLACs, and life insurance to insulate the surviving spouse.
Bonus content
Retirement Case Study
A step-by-step case study showing how one couple approaching retirement applied the book's tax-saving strategies to their own finances—see the numbers, decisions, and results in action.
About the Author
Richard Byerly is a seasoned Certified Public Accountant who brings a unique, real-world perspective to tax planning and wealth preservation. Born and raised in Arlington, Texas, Richard earned his Bachelor of Arts in Accounting from the University of Texas at Arlington. He then spent 25 years navigating the intense financial complexities of the healthcare industry, while sharpening his tax expertise preparing returns part-time. Navigating corporate healthcare taught him firsthand how easily the average person can get buried in complex, indifferent systems—an insight that ultimately inspired him to break away from the corporate ladder.
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In 2010, Richard took that wealth of experience and launched his own CPA firm, intentionally specializing in the unique tax demands of the chiropractic industry. After successfully building the practice into a thriving business, he chose to sell the firm to dedicate his energy entirely to advanced tax strategy. The decision to sell was fueled by a clear realization: while many professionals focus on historical tax filing, seniors are the most underserved, targeted demographic when it comes to forward-looking tax planning.
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As a senior himself, Richard has a deep, personal understanding of the financial landscape facing retirees. He is passionate about partnering with seniors to defuse hidden IRS liabilities and map out predictable, low-tax futures. When he isn’t playing active offense against the tax code, Richard can be found on the golf course, catching college sports, or working in his garden.
If you would like Richard to review your situation, please contact him.
Testimonials
"Finally, a financial guide that doesn't put me to sleep or feel like it's trying to sell me something I don't need. This book reads like a conversation with a knowledgeable neighbor who genuinely wants to help you protect what you worked for. Before I read this book, I was planning to quitclaim my house to the kids to make things easier for them after I died. I didn't know that it would create a huge capital gains tax bill for them when they went to sell."
Susan R
Small Business Owner
"As a financial advisor, I see one issue overlooked far too often in retirement planning: taxes. Most investors spend decades focused on accumulating wealth but give surprisingly little thought to forecasting and managing what may become one of their largest lifetime expenses—taxes in retirement. This book addresses that problem by helping readers think more strategically about how they distribute and use the wealth they have accumulated. Thoughtful tax planning can potentially mean less money unnecessarily lost to taxes and more money available to spend, save, or share with the people and causes that matter most."Â
Blake H
Financial Advisor
"I retired at 62 thinking my main goal was just to keep my reported income as close to zero as possible. This book completely changed my thinking on that. The concept of the tax bracket valley was a huge eye opener. It makes so much sense to pay a little bit now instead of getting slammed with huge RMDs in my 70s. I took this to my financial advisor and we developed a plan to start converting my traditional IRAs into ROTH IRAs."
David M
Retired Engineer
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