Retirement planning, investing, fee-only fiduciary advice, wealth and tax strategy from Byron Studdard, CFP® — written in plain language.
If your income puts you above the Roth IRA limits, you’ve probably assumed you’re locked out of tax-free retirement growth. You’re not. A backdoor Roth IRA conversion is a legal, IRS-sanctioned workaround that lets high earners fund a Roth account even when their paycheck disqualifies them from contributing directly. Many business
Tax-Efficient Estate Planning Strategies for Retirement-Focused Families help coordinate heirs, taxes, charitable goals, and retirement accounts for clarity.
Retirement taxes aren’t inevitable — they’re a planning problem. Here are the five fee-only, fiduciary strategies I use most often to help retirees keep more of what they’ve saved in 2026, from Roth conversion timing to charitable giving through IRAs.
CFP versus financial advisor: understand credentials, fiduciary duty, fees, and questions that help you choose advice built around your interests first.
The High Cost of Inefficient Retirement Tax Planning Taxes are often the single largest expense in retirement, yet most families never see it coming. We’ve worked with many clients who watched their retirement nest egg shrink faster than expected, simply because their investment strategy didn’t account for tax consequences. The difference
Byron’s free financial planning eBook covers retirement strategy, investing, wealth preservation and tax-efficient planning.
