Why the Best Retirement Tax Plans Happen in June, Not April

April is for filing. June is for planning. Your CPA handles the rear-view mirror—what already happened. But if you want to minimize your retirement tax bill, someone has to own the future. Most people don't. They fall through the gap between their CPA and their financial advisor. That gap costs thousands: unnecessary taxes, Medicare surcharges, blown Roth conversion windows, and tax disasters for heirs. This video shows you the gap—and how to close it. What you'll learn: ➡️Filing vs. Planning: Why your CPA's job ends where your planning job begins ➡️The June Window: Why your actual tax return gives you a 6-month runway to execute before year-end ➡️Roth Conversions: How to pay down your "IRS debt" on your terms—before RMDs lock you in ➡️Tax Leaks: How one mistimed move triggers the 3.8% surcharge, Medicare premium spikes, and higher tax brackets downstream ➡️The HSA Landmine: Why inherited HSAs blow up your heirs' tax bills—and how to prevent it Take action: 👉 Get your free Wealth Clarified Score (10 minutes, no personal info). See exactly where your gaps are: https://app.sherpaswealth.com/tim-gar... Watch next: Don't let a great tax plan trigger a healthcare disaster. The Medicare 2-year look-back rule explained:    • The $14,000 Healthcare Move Most Pre-Retir...   #RetirementPlanning #TaxPlanning #RothConversion #Medicare #WealthClarified 00:00 April is for Filing — June is for Planning 00:27 The Gap Nobody Owns (And How It Costs You) 02:47 Tax Loss Harvesting: The Year-Round Lever 04:02 The Glass Case: Why Your 401(k) Isn't Really Yours 05:19 Jim & Susan's Most Expensive Decision (They Never Made) 08:31 The HSA Trap Most Families Walk Into Blind