In addition to investment management, I need financial advice related to tax planning, as I have enough invested for this to be a significant concern. Most of my retirement savings are pretax, and I realized too late that this was a big mistake. I need guidance on strategies to minimize taxes and IRMAA charges, and on whether Roth conversions make sense for me.I also belong to a credit union that offers free financial advice. I was told that the advisers are paid a salary by the credit union. Is this true? ...