Michael DiGiovanni of Prudential

05/20/2026

Fun evening of networking and raising funds for two important causes.

Inserra’s Diabetes Research Institute to advance the treatment of Type 1 diabetes

to enhance the lives of military veterans

Thank you to host .jamie

And sponsors

04/29/2026

Most people focus on the federal estate tax exemption and stop there. But 16 states plus DC impose their own estate or inheritance tax — often at thresholds far below the federal level. If you live in one of them, your plan needs a second layer.

04/25/2026

There’s a window most people don’t even know exists.

It opens somewhere between the year you stop working and the year RMDs kick in. For a lot of folks, that’s a quiet five-to-ten-year stretch where your income drops, your tax bracket drops with it — and the IRS, for once, isn’t paying attention.

That window has a name. It’s called a Roth conversion opportunity.

Here’s the trade you’re really making: pay tax on a chunk of your IRA today, at a rate you can see, in a year you can plan around. In exchange, that money grows tax-free for the rest of your life — and your spouse’s life — and gets handed to your kids tax-free too. No RMDs. No surprises. No tax bill at 80 you didn’t budget for.

The catch? It’s a planning game, not a one-time decision. Convert too much in one year and you push yourself into a higher bracket, jack up your Medicare premiums (IRMAA), and undo the math. Convert too little for too long and the window closes on you.

Done right, a multi-year Roth conversion strategy can save six figures in lifetime taxes for the right household. Done wrong — or not at all — and you’ve quietly handed the IRS a much bigger piece of your retirement than you needed to.

If you’re between 60 and 73 and you’ve never had this conversation, it’s worth twenty minutes.

DM me “ROTH” and I’ll send over a one-pager to determine if the window is open for you.

Prudential WhosYourRock RetireSmart TaxStrategy IRA WealthManagement FinancialAdvisor TaxFreeRetirement LegacyPlanning PreRetiree MoneyMatters RetirementGoals FinancialLiteracy SmartMoney RetirementIncome

03/12/2026

Great day entertaining clients and partners at the tournament. for the win.!!! 🙌🏻

03/02/2026

My new guide on the top 5 solutions for business owners - link in bio for full details. 📈

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12/09/2025

Should you delay social security?

06/20/2025

Part of financial planning involves understanding how we are going to take care of ourselves and loved ones as we age.

The earlier we discuss and budget, the more options we have.

05/05/2025

Do you live in one of these 16 states?

Most people believe Estate Planning is only for the wealthy, but you should familiarize yourself with your state's laws to understand how your heirs will inherit your assets.

I explain NY and NJ in this 3 minute video.

This is "Prudential - Impact of State and Inheritance Taxes" by Michael DiGiovanni on Vimeo, the home for high quality videos and the people who love them.

03/31/2025

Tax strategy is essential to creating a sound financial plan. If you would like a copy of our comprehensive list of deductions/credits please DM me TAX 2025.

Let's create a plan for next year!

05/08/2024

Friends, I’m hosting a financial education seminar on investment risk and retirement planning. If you or someone you know may benefit feel free to reach out or share!

➡️ Space is limited - RSVP by e-mailing [email protected].