THE BOOK
The IRS is the silent beneficiary of your retirement account. Here's how to write it out of the will.
The 30-Day Roth Accelerator Handbook — The Roth Conversion Strategy the Big Firms Won't Teach You. By Leibel Sternbach, EA.
You did everything right. You saved, you invested, you built a seven-figure nest egg. What no one told you is the cruel part: the more your pre-tax accounts grow, the bigger the tax bill you're building — for yourself, for your spouse the day one of you is left filing alone, and for the children who'll inherit a ten-year tax bomb instead of a legacy.
There's a way out, and the big firms won't teach it to you — because their compliance departments won't let their advisors give tax advice.
In The 30-Day Roth Accelerator Handbook, Enrolled Agent and Yields For You founder Leibel Sternbach walks you through it the way he does at the kitchen table: the three quiet threats hiding in your IRA, the three levers that defuse them, and the one question that decides everything — whose tax bill are you really paying?
Inside, you'll learn how to:
- Convert more of your IRA for less tax by buying the market's worst days
- Spot the "widow's penalty" before it doubles your surviving spouse's bracket
- Defuse the SECURE Act ten-year rule before your kids inherit the bill
- Stop your own brokerage account from quietly taxing you to death
- Read the one tax form that tells you whether you're converting at full price or half off
- Know the times the smartest move is to do nothing
Free companion tools included.
Run the book's own math on your own numbers — a widow's-penalty calculator, a ten-year inherited-IRA tax-bomb estimator, and your personal Roth break-even — with the interactive toolkit on this site.
AVAILABILITY
The 30-Day Roth Accelerator Handbook is available now on Amazon, in Kindle and paperback.
Leibel Sternbach is an Enrolled Agent with the IRS, a Chartered Financial Consultant, a National Social Security Advisor Certificate Holder (NSSA), and an Accredited Portfolio Management Advisor. He is the founder of Yields For You and the portfolio manager of the Yields for You Income Strategy A ETF (YFYA).