The Bracket - Retirement Tax Strategy for High Net Worth Households

You spent thirty years building real wealth. Now the hardest financial decisions of your life are the ones nobody prepared you for and most of them come down to taxes. The Bracket is a show for people with $2 million or more who are approaching or living in retirement and have figured out something their neighbors haven't: at this level, the threat to your money isn't the market. It's the tax code. Required minimum distributions that detonate in your seventies. Roth conversion windows that open and slam shut. The IRMAA surcharges, the widow's penalty, the capital gains decisions, the order you draw down accounts these are the levers that quietly decide whether you keep your wealth or hand a needless slice of it to the IRS over the next thirty years. Most retirement advice is written for people with a few hundred thousand dollars. This isn't that show. The Bracket is built for the household with a $2M, $5M, or $10M-plus balance sheet, where the planning is more complex, the stakes are higher, and the cost of getting it wrong is measured in hundreds of thousands of dollars. Every episode maps the specific tax decisions of the distribution years, the phase where you stop accumulating and start drawing down and shows you where the lines are, where the cliffs are, and where the opportunities hide that your CPA, who's looking backward at last year's return, will never flag. This is not a show about beating the market or picking funds. It's about the part of your financial life you actually control: when income hits, in what form, and in what order. Done right, that's worth more to a high-net-worth retiree than another point of return and unlike the market, it's a decision you get to make. The Bracket is produced by Nav Wealth Partners, a fee-only fiduciary registered investment advisory firm specializing in tax-optimized planning for the distribution phase of retirement. Nav works with high-net-worth retirees and pre-retirees who want their drawdown years engineered with the same rigor that built their wealth in the first place. The firm's focus is narrow on purpose: the years between the end of a paycheck and the end of a plan, where coordinated tax strategy compounds into real, spendable dollars. The show is hosted by Ryan Knoll, founder and CEO of Nav Wealth Partners. Ryan built Nav around a conviction that the retirement industry has the problem backwards that for households who've already accumulated enough, the next great lever isn't a better portfolio, it's a smarter tax strategy across the decades ahead. On The Bracket, he breaks down the frameworks his firm uses with its own clients, including "the stack" and the conversion corridor, in plain language, with real numbers, no jargon left undefined, and no sales pitch. The goal is simple: make you the most informed person in the room about your own retirement tax picture, whether you ever become a Nav client or not. If you've worked hard enough to have a tax problem worth solving, this show is for you. New episodes weekly. Subscribe wherever you listen. [Disclosure: The Bracket is produced by Nav Wealth Partners, a registered investment adviser. Content is educational and for general information only; it is not personalized investment, tax, or legal advice. Listening does not create an advisory relationship.]