Guided Execution

Manage the exact order and timing of charitable IRA gifts, donor‑advised fund donations, and each step of your Roth conversions.
Coordinate with your tax professional and estate attorney so you aren’t stuck in the middle.
Prepare custodian‑ready letters and track confirmations for clean documentation.

Course Corrections

Markets: Right‑size conversions during pullbacks and rebalance when your mix drifts.
Taxes & rules: Track Medicare premium thresholds and evolving tax rules; make timely adjustments to help avoid unpleasant surprises.
Checklists: Use documented calendars and periodic reviews so key deadlines are systematically managed.

Charitable IRA gifts first; donor‑advised fund timing in even years.
Roth conversions sized and staged with a late‑year recalculation to finish just under your target bracket.
Medicare premium surcharge guardrails checked mid‑year and year‑end; withholding/estimates adjusted to maintain buffers.
Portfolio discipline: rebalance when your mix drifts; asset location supports after‑tax growth.
Estate and documentation upkeep: beneficiary reviews, binder/vault updates, year‑end worksheet for clean filing.

Execute charitable gifts directly from IRA to satisfy required distributions while keeping them out of taxable income.
Turn off dividend reinvestments on positions slated for donation.
Coordinate with your tax professional for organized, audit‑ready filing.

In even years, execute in‑kind stock donations to your donor‑advised fund (long‑term appreciated shares).
Size late‑year Roth conversions to finish just under your target bracket.
Run final Medicare premium surcharge checks; adjust withholding/estimates to avoid underpayment penalties.