Everywhere you turn these days, people are talking about Roth conversions like they’re the ultimate retirement hack. But from what I’ve seen in working with real families, the truth is… Roth conversions can be overrated.

In this episode of That Financial Guy Show, I share real stories from my own clients — times when a Roth conversion made sense, and times when it would have been a costly mistake.

You’ll hear about:

• A client who almost converted in his peak earning years (and why that would’ve been a tax disaster).
• A retiree who thought she needed to convert late in life (but the math said otherwise).
• A couple ready to convert, but who didn’t realize paying the tax out of their IRA killed the benefits.
• Families who did get it right — using gap years before Social Security and big IRAs that would’ve caused huge RMDs later.

Here’s the bottom line: Roth conversions are a tool, not a cure-all. For some people, they’re brilliant. For others, they’re unnecessary and expensive.

If you’ve ever wondered, “Should I be doing a Roth conversion?” this episode will give you the clarity you need.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...