$AGG

Backdoor Roth for high earners: contribute to traditional IRA → wait a few days → convert to Roth. Watch out for the pro-rata rule if you have other IRA balances.

Bond tent strategy: overweight bonds at retirement, then gradually reduce as you age. Counter-intuitive but addresses sequence of returns risk in the early years.

Social Security delay math: breakeven from 62 to 70 is about age 80. If you expect to live past 85, delaying to 70 almost certainly wins. Plus survivor benefit matters if married.

Healthcare bridge 60-65: budgeting $1,200/month for ACA marketplace plan. Income management to stay under subsidy cliffs can save $8,000+/year in premiums.

Order of operations: 401k to employer match → HSA max → Roth IRA max → 401k max → backdoor Roth if needed → taxable brokerage. This order optimizes for tax efficiency.