Ep 87: Here’s When You SHOULDN’T Do Roth Conversions

Mar 27

If you’ve ever been told, “ A Roth conversion is the best thing you can do for your retirement, “ this episode is for you…. Because you also need to know when they might NOT be a good idea.

While converting your Traditional IRA or your 401k into Roth has some fantastic benefits, there are times when it might not be a good idea… Today we will talk about the scenarios where it might actually work against you.

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In this episode:

[1:25] What is a Roth Conversion

[2:09] Why are Roth Conversions such a popular topic?

[4:02] How are Roth funds different than other accounts?

[8:02} Timing is important when considering Roth Conversions

[10:53] How do Roth Conversions push someone into a higher tax bracket?

[14:45] When should someone delay Roth Conversions?

[18:25] What alternatives are there for someone who doesn’t benefit from Roth Conversions at this point?