Get clear answers to the retirement questions keeping you up at night. In one exclusive evening.

Almost everyone gets the timing wrong. Convert too much in one year and you can push yourself into a higher bracket; wait too long and you can miss the window entirely. The right approach depends on your income, your other accounts, and the years before required distributions — it’s a sequence, not a guess. Todd walks through how to think about it, in plain English.

This one stuns people who paid an attorney years ago. A trust only protects your family if it’s funded and set up correctly — and there are common gaps that quietly route assets through probate court anyway. Most people never find out until it’s too late to fix. You’ll learn the questions that reveal whether yours is actually doing its job.

Every IRA carries trade-offs — on taxes, on what your heirs inherit, on how withdrawals are treated — and almost no one has had them laid out in one place. They aren’t reasons to panic; they’re things to plan around once you can see them. Left unexamined, they cost you quietly for years. Todd names all six and the questions to ask about each.

Most people choose a claiming age on a gut feeling — or because a friend did it that way — and that single decision quietly shapes their income for the rest of their life. The “right” age isn’t universal; it depends on your other income, your tax picture, and your spouse’s benefit. On its own, your benefit is just a number — inside a plan, it’s one move sequenced with all the others. Todd shows you which timing is actually yours.

Investments accumulate. A plan protects, sequences, and coordinates them toward the life you actually want. You can own an impressive collection of accounts and still have no answer to “what happens, in what order, and why” — and that gap is the whole reason this evening exists. Todd shows you what turns a pile of accounts into a plan.

Here’s what catches families off guard: the beneficiary form beats your will. An outdated designation or a small clerical error can send your assets to the wrong person entirely — an ex-spouse, the wrong child, sometimes no one. It’s often the easiest thing on this list to check and the most painful to get wrong. Todd shows you exactly what to look for.