In this episode, we dive into one of the most common—and misunderstood—strategies in retirement planning: Roth conversions.
While they’re often promoted as a one-size-fits-all tax solution, the truth is more complicated. From longevity risk and spending risk to RMD concerns and Medicare surcharges, many retirees discover that conversions may not benefit them during their lifetime at all.
We’ll uncover why timing, tax brackets, and liquidity matter more than conventional wisdom suggests, and how poor planning could end up helping the IRS more than your family.
If you’ve ever wondered whether a Roth conversion is right for you—or just a costly mistake—this episode breaks it down in plain terms.
Whether you’re nearing retirement or decades away, understanding the real trade-offs of Roth conversions can help you protect wealth and avoid costly financial missteps.
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