After back-to-back strong market years, it’s natural to wonder how long the run can last. The truth is: nobody knows. What we do know is that market downturns are inevitable, and while they can feel unsettling in the moment, they can also create real planning opportunities if you’re prepared.

In this video, Cullen walks through three strategies that can be especially powerful when markets are temporarily down: Roth conversions, inherited IRA withdrawals, and gifting. The goal isn’t to predict the next downturn… it’s to understand how to respond when it arrives.

What you’ll learn:

• Why market downturns can create tax-planning opportunities

• How a down market can make Roth conversions more effective

• A smart way to think about inherited IRA withdrawals after the 2020 rule changes