In this episode of The Retirement Matters Show, we break down one of the most powerful- and often misunderstood- retirement planning tools: Roth conversions.

We discuss when Roth conversions may make sense, when they don't, and how using them correctly could help:

• Lower your lifetime tax bill

• Improve tax efficiency across your retirement journey

• Change how your money is taxed when it passes to your loved ones

We also show you how to identify unnecessary or hidden fees in your investment accounts- simply by reviewing your account statements - so you can better understand where your money may be leaking.

In this episode, you'll learn:

• How Roth conversions work in real retirement scenarios

• Common mistakes that make Roth conversions ineffective or costly

• How to spot excessive investment or advisory fees

• Why tax planning is just as important as investment performance

If you enjoy this episode, please consider liking, subscribing, and leaving an honest review- it helps us reach more people looking to make smarter retirement decisions!

The Retirement Matters Podcast helps you plan smarter so your retirement isn't left to chance.

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DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future