Ep #310: Before You Convert That IRA, Figure Out Who the Money Is Actually For
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Ep #310: Before You Convert That IRA, Figure Out Who the Money Is Actually For
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Roth conversions are often treated like an automatic win, especially once income drops in retirement. But the better question isn't just whether you can convert at a lower tax rate — it's whether converting those dollars actually improves the end result.
In this episode, we're looking at how the intended use of your retirement assets can completely change the strategy. Sometimes the biggest opportunity isn't converting more, but understanding which dollars should stay exactly where they are.
Topics Discussed:
- Why a lower tax bracket in retirement isn't, on its own, a reason to convert.
- How $1 million in conversions can cost $240,000 in tax, and when some of that is avoidable.
- How a $50,000 charitable gift can quietly shrink to $38,000.
- Why two retirees with identical $4 million IRAs shouldn't have the same plan.
- When an aggressive Roth conversion strategy still makes a lot of sense.
Resources Mentioned:
- ERdocadvisor.com
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