Should Ilhan Omar be barred from national security committees? (2)

July 24, 2026

In partnership with

One Death, Higher Taxes

Here's the math most couples never see coming.

When one spouse passes, the survivor usually keeps most of the household income — but starts filing as a single taxpayer. Same IRA. Same required distributions. Roughly half the standard deduction, and tax brackets that compress to nearly twice the rate at the same income.

It's called the survivor's tax trap, and it's one of the most preventable problems in retirement — if you act while both spouses are alive and rates are still low.

Craig Wear, CFP®, has walked 3,000+ families with $1M+ in IRAs through exactly this planning. His new book, Roth Conversion Reset, lays out the year-by-year framework for converting at today's rates so the tax problem never lands on the person you love most.

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