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:
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📝 Get your Free Retirement Plan checkup
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Most people think saving for retirement is simple: load up the 401(k), defer taxes, and let it grow. But here’s the truth when Required Minimum Distributions (RMDs) hit, Uncle Sam may take a bigger bite than you expect.

In this episode of That Financial Guy Show, I break down:

• Why putting everything into a 401(k) can backfire in retirement.
• The Go-Go, Slow-Go, and No-Go years of retirement spending—and why your healthiest years matter most.
• Real client stories where updating the financial plan changed everything.
• Overlooked wealth strategies like Roth conversions, brokerage accounts, and smart debt reduction.

Retirement isn’t just about having money—it’s about having flexibility and freedom to enjoy life while you can.

👉 Whether you’re 10 years from retirement or already thinking about RMDs, this episode will give you practical strategies to retire smarter, spend with confidence, and avoid costly mistakes.

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: 👉...

Two people, same age and income, but very different retirement outcomes—what made the difference? It wasn’t luck—it was strategy. In this video, I break down the five essential moves to make in the final five years before retirement. From maximizing savings and designing a steady income plan, to shielding yourself from market dips, optimizing taxes, and envisioning your ideal lifestyle—this is your blueprint to retire confidently and on your own terms. Don’t let indecision or poor planning derail your future. Listen to this episode to take control of your retirement game plan.

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: 👉...