3 Retirement Tax Mistakes That Cost $2-5M Households Six Figures

Book a consultation: https://www.navwealthpartners.com/boo... If you've saved between $2 and $5 million for retirement, there's a very good chance you're making at least one of these three tax mistakes right now — and none of them feel like mistakes when you make them. They feel responsible. They feel smart. That's the trap. In this video, Ryan Knoll, CFP® and founder of Nav Wealth, breaks down the three retirement tax mistakes he sees most often in $2-5M households: the Corridor Collision (why Roth conversions and capital gains harvesting fight each other for the same tax bracket space), the Accumulation Hangover (why the way you organized your money to grow it is the wrong way to organize it to spend it), and the Subsidy Cliff Blindspot (why the ACA subsidy reset in 2026 quietly breaks the whole strategy for early retirees). Each mistake can cost tens or hundreds of thousands of dollars over a retirement. All three are fixable — but only if you see them. ⏱ CHAPTERS 0:00 — The three mistakes that quietly cost retirees hundreds of thousands 0:55 — Mistake 1: The Corridor Collision 3:16 — Why blending Roth conversions and capital gains harvesting fails 3:39 — The 15-year corridor and how to sequence it 4:10 — The IRMAA ceiling in conversion years 4:51 — Mistake 2: The Accumulation Hangover 5:15 — Asset location vs. asset allocation 6:19 — How the wrong asset location destroys your harvesting window 6:56 — Withdrawal sequencing and why the old rule of thumb collides with your corridor 8:47 — Mistake 3: The Subsidy Cliff Blindspot (the 2026 reset) 9:38 — Why ACA subsidies are based on income, not net worth 10:35 — What changed on January 1, 2026 11:01 — 400% of the federal poverty level in real numbers 11:25 — Case study: $45,000 MAGI couple, three options walked through 14:16 — Option 1: Pulling from the IRA (worst outcome) 19:40 — Option 2: Pulling from the brokerage account (best outcome) 23:04 — Option 3: Pulling from the Roth (why it's still not the best choice) 23:47 — How all three mistakes connect 25:07 — The CARE Act caveat 25:09 — Summary and recap 📌 KEY CONCEPTS COVERED -The Roth Conversion Corridor and when to use it -Capital gains harvesting at the 0% federal rate -The IRMAA Medicare premium surcharge and how it affects conversion years -Asset location for tax-deferred, Roth, and taxable brokerage accounts -Withdrawal sequencing strategy in retirement -ACA premium tax credits and the 2026 subsidy cliff reset -MAGI calculation and how it interacts with Roth conversions 📥 WORK WITH RYAN If you have $2-5M saved and want our team to map your specific corridor — which years should be harvesting years, which should be conversion years, and how the ACA cliff affects your plan — we take a limited number of new households each month. 👉 Book a consultation: https://www.navwealthpartners.com/boo... 📺 RELATED VIDEOS Your Brokerage Account Can Be a Roth. Here's How. →    • Your Brokerage Account Can Be a Roth.  Her...   🔔 SUBSCRIBE for weekly videos on retirement tax planning, Roth conversion strategy, and investment management for $2-5M households.