{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Ins & Outs of Roth Conversions, Ep 184","description":"Retirees usually think the tax decisions are done once they stop working. But the truth is, many are sitting on large pre-tax balances that can quietly lead to bigger tax bills later\u2014especially when required minimum distributions kick in or a spouse passes away. It's not just about saving money, it's about how that money is taxed when you actually need to use it. Roth conversions offer a way to shift those tax liabilities earlier, on your terms. I explain when that tradeoff makes sense and when it doesn\u2019t, using clear, real-world examples. You\u2019ll hear how a couple with zero current tax liability converted money without paying a dime, and why converting in a year with lower income or a temporarily down market might open the door to big savings. I\u2019ll also break down why legacy plans, filing status changes, and Social Security taxation are key pieces of the puzzle. You will want to hear this episode if you are interested in... (0:00) The ins & outs of Roth conversions (1:55) The three tax buckets that shape retirement (6:32) When conversions are a no-brainer (and when they\u2019re not) (9:54) How your tax bracket\u2014and filing status\u2014change the math (17:05) Roths as a better inheritance for your kids (24:57) Clearing up common Roth misconceptions Resources & People Mentioned 3 Steps to Retirement Planning Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https:\/\/RetirementMadeEasyPodcast.com Website: https:\/\/StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts ","author_name":"RETIREMENT MADE EASY","author_url":"http:\/\/retirestrongfa.com","html":"