• A 45-minute CPA-meeting agenda: documents, cliff map, questions, then what gets modeled. You leave with homework for the CPA, not a guess.

• The document stack the meeting actually needs before anyone talks conversion (8606, 1099-R, 5498, IRMAA notice, last two 1040s).

• The 2026 cliff map: ordinary brackets, IRMAA, NIIT, QCD, RMD age, senior deduction. Unpublished figures are marked UNCONFIRMED.

• 40 CPA questions, grouped so you skip what does not apply (Medicare, widow math, paying the tax from where, Social Security).

• A printable meeting-day one-pager you write on and leave on the table.

$47 PDF. Not advice. Not a calculator. Not a convert-$X worksheet. Educational only. Take it to a CPA or fiduciary.