Is a Roth Conversion Worth It If You’re Close To Retirement? (Ep 195)
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Is a Roth Conversion Worth It If You’re Close To Retirement? (Ep 195)
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Roth conversions can sound straightforward, but the decision becomes much more complicated once taxes, retirement timing, and your broader financial picture enter the equation. In this episode, Lee explains why there isn’t a universal answer and why the years leading up to retirement can create an important planning opportunity. The real question isn’t simply whether Roth conversions are a good idea, it’s whether they make sense for you, and when.
Here’s what we discuss in today’s show:
🔄 Conversion Basics: Moving tax-deferred money into a Roth IRA and paying taxes today
📊 Tax Brackets: Evaluating current income against what taxes may look like later
⏳ Retirement Window: Why the years around retirement can create planning opportunities
🧾 Future Taxes: Considering RMDs, Medicare premiums, and taxes on inherited retirement accounts
📅 Gradual Strategy: Spreading conversions across multiple years instead of doing everything at once
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com