Michael DiGiovanni of Prudential

Michael DiGiovanni of Prudential Investments, Financial Planning, Insurance The availability of other products varies by carrier and state. Prudential is an equal opportunity employer.

Licensed to sell Health insurance in the following state(s): NJ
Licensed to sell Life insurance in the following state(s): NJ

"Prudential Advisors” is a brand name of The Prudential Insurance Company of America and its subsidiaries. Life insurance and annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status, or any other characteristic protected by law. EEO IS THE LAW. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential is an Employer that participates in E-Verify.

It was a privilege to be part of Prudential’s panel today along with other top wealth advisors discussing how we’re leve...
10/09/2026

It was a privilege to be part of Prudential’s panel today along with other top wealth advisors discussing how we’re leveraging LPL to offer clients more sophisticated investment solutions and improve outcomes. We shared a few laughs, too — watch this space for more.

Fun evening of networking and raising funds for two important causes.Inserra’s Diabetes Research Institute to advance th...
05/20/2026

Fun evening of networking and raising funds for two important causes.

Inserra’s Diabetes Research Institute to advance the treatment of Type 1 diabetes

to enhance the lives of military veterans

Thank you to host .jamie

And sponsors

Most people focus on the federal estate tax exemption and stop there. But 16 states plus DC impose their own estate or i...
04/29/2026

Most people focus on the federal estate tax exemption and stop there. But 16 states plus DC impose their own estate or inheritance tax — often at thresholds far below the federal level. If you live in one of them, your plan needs a second layer.

There’s a window most people don’t even know exists.It opens somewhere between the year you stop working and the year RM...
04/25/2026

There’s a window most people don’t even know exists.

It opens somewhere between the year you stop working and the year RMDs kick in. For a lot of folks, that’s a quiet five-to-ten-year stretch where your income drops, your tax bracket drops with it — and the IRS, for once, isn’t paying attention.

That window has a name. It’s called a Roth conversion opportunity.

Here’s the trade you’re really making: pay tax on a chunk of your IRA today, at a rate you can see, in a year you can plan around. In exchange, that money grows tax-free for the rest of your life — and your spouse’s life — and gets handed to your kids tax-free too. No RMDs. No surprises. No tax bill at 80 you didn’t budget for.

The catch? It’s a planning game, not a one-time decision. Convert too much in one year and you push yourself into a higher bracket, jack up your Medicare premiums (IRMAA), and undo the math. Convert too little for too long and the window closes on you.

Done right, a multi-year Roth conversion strategy can save six figures in lifetime taxes for the right household. Done wrong — or not at all — and you’ve quietly handed the IRS a much bigger piece of your retirement than you needed to.

If you’re between 60 and 73 and you’ve never had this conversation, it’s worth twenty minutes.

DM me “ROTH” and I’ll send over a one-pager to determine if the window is open for you.

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110 Allen Road, Floor 2
Basking Ridge, NJ
07920

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