⏱ 2026 tax window is open now. TCJA rates are set to rise — the time to convert, protect, and transfer wealth is before the sunset.
See what to do now →
Tax mitigation specialist
The strategies that let you keep more of what you've earned — for life
A comprehensive educational resource dedicated exclusively to retirement tax mitigation — 40+ in-depth guides covering RMDs, IRMAA, Roth conversions, trusts, annuities, and more. Fully updated for 2026.
✓ Ed Slott IRA frameworks✓ 42 in-depth strategy pages✓ Updated for 2026 TCJA sunset✓ Educational — not investment advice
TaxMitigation.net is owned and operated by PRAIS Financial Management, LLC
Dana Gibson, President — Certified Financial Fiduciary®
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2026
TCJA rates expire — the most critical tax planning window of your lifetime
Convert, transfer & protect now →
Self-completing Roth
0%
Out-of-pocket taxes on a Roth conversion — using an IUL or Bonus FIA strategy
Version A & B explained →
Legal IRA stretch
60 yrs
How to legally stretch IRA assets again — across generations, tax-deferred
How to stretch the IRA again →
Ed Slott — QCD
$105K
Per year you can give directly from your IRA tax-free — and eliminate that RMD
The QCD strategy →
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Every strategy, in one place
Six comprehensive sections covering the full spectrum of retirement tax mitigation.
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Tax strategies
Roth conversions, self-completing Roth (A & B), RMD planning, bracket management, QCDs, NUA, Social Security, and withdrawal sequencing.
Fixed, fixed indexed (FIA), bonus FIA Roth conversion, variable, immediate vs deferred, private annuity sales, and annuity tax treatment.
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Life insurance
IUL, whole life, ILITs, self-completing Roth via IUL, hybrid LTC life insurance, and the full tax advantages of permanent life insurance.
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Retirement accounts
Traditional vs Roth IRA, 401(k) strategies, HSA as a retirement tool, backdoor Roth, self-employed plans, and asset location strategy.
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Resources
Blog & articles, podcasts, calculators & tools, tax glossary A–Z, free downloadable guides, tax law updates, and FAQs.
Featured strategies
What sets this site apart
Strategies you won't find explained anywhere else — researched, verified, and presented clearly.
★ Most requested strategy
The self-completing Roth conversion — pay zero out-of-pocket taxes to the IRS
Two proven structures that let you convert your traditional IRA to a Roth without writing a check to the IRS. Version A uses an IUL policy. Version B uses a Bonus FIA staged over multiple years — no insurability required.
Version A: IUL-fundedVersion B: Bonus FIAMulti-year staging0% out-of-pocket
How to legally stretch the IRA again
The 60-year IRA stretch — legally
The stretch IRA was eliminated — but there is a legal structure that extends qualified IRA assets across generations, tax-deferred, for up to 60 years. This is the strategy advisors aren't talking about.
→ Read the full strategy
Ed Slott — IRA authority
The inherited IRA tax trap your heirs will face
Your heirs could owe full income taxes on your entire IRA within 10 years of inheriting it. Ed Slott's solution involves Roth conversions and life insurance — here is the complete playbook.
→ Read the full strategy
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★ Wall Street Journal — "The Best Source for IRA Advice"
Featuring the research and frameworks of Ed Slott, CPA
America's foremost IRA authority. His paradigm-shifting work on the retirement savings time bomb, the end of the stretch IRA, and the superiority of Roth and life insurance for legacy planning is cited and credited throughout this site.
Content on TaxMitigation.net is for educational purposes only and does not constitute tax, legal, financial, or investment advice. Tax laws change frequently and individual circumstances vary. Always consult a qualified tax professional, attorney, or licensed financial advisor before implementing any strategy discussed on this site.
