Welcome to episode 84 of Accessible Finance for Retirement! Hosted by Eric and Rachael Johns, this episode dives into Roth IRA Conversions, a powerful strategy for managing taxable income and optimizing your retirement savings. Learn about the fundamentals of Roth conversions, strategic timing, and common pitfalls to avoid. Discover how to leverage Roth conversion ladders, and why deliberate planning can make a significant impact on your long-term financial health. Tune in for expert insights, actionable tips, and a detailed discussion to help you navigate Roth IRA Conversions like a pro.
00:00 Introduction to Episode 84
00:32 Overview of Roth Conversions
01:33 Roth Conversion Fundamentals
01:59 Tax Implications and Strategies
04:28 Partial Conversions and Tax Brackets
05:48 Planning and Calibration
09:48 Roth Accounts and RMDs
10:56 Understanding IRA Balances and Growth
11:18 Strategic Timing for Roth Conversions
11:50 Roth Conversion Ladders Explained
12:40 Tax Brackets and Conversion Strategies
14:17 Medicare and Irma Thresholds
15:07 Effective Tax Rates and Planning
18:50 Common Pitfalls in Conversion Strategies
21:54 Final Thoughts on Roth Conversions
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