Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

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Nobody wakes up eager to hand extra money over to the IRS, but what if taking a deliberate tax hit today could protect tens of thousands of dollars for your family later?

In this episode, Scott and Nick unpack the real purpose behind Roth conversions: stripping away the jargon to look at taxes not as a yearly chore, but as a manageable challenge for you and your long-term goals. They compare two distinct retirement timelines: a 10-year runway during your core earning years versus a shorter 3-to-5-year pre-retirement window.

Scott and Nick discuss how to approach tax bracket filling, why temporary income drops create prime conversion opportunities, and why optimizing for the lowest tax bill this year often costs you more over your lifetime.

If you want to ensure your hard-earned money ends up with the people and causes you love, this episode offers a clear roadmap to navigate your tax options with confidence.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

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Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.