Roth conversions are often touted as a smart tax move—but are they always the right choice? Not necessarily. In this episode, we’re breaking down 7 situations where a Roth conversion might actually cost you more in taxes than it saves you.
You’ll learn:
✅ Why a partial Roth conversion is probably smarter than going all in
✅ How your income two years ago impacts your Medicare premiums
✅ Why you might regret converting if you plan to donate to charity
✅ How future medical and long-term care expenses could make keeping IRA dollars more tax-efficient
✅ The tax trap of converting before moving to a no-tax state
Before you convert your IRA, make sure you’re not making a costly mistake. Tune in to find out how to make the best decision for your retirement.
Episode Resources
When Roth Conversions Make No Sense
Form SSA-44, Medicare Income-Related Monthly Adjusted Amount Life-Changing Events
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