{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":300,"width":600,"title":"Are You a Roth Convert? Why Many Don\u2019t and When It May Make Sense","description":"Should you convert to a Roth IRA, or is waiting the better move? In this episode of Something More with Chris Boyd, Chris and Russ Ball take on one of the most common questions in retirement planning and explore why so many investors hesitate when it comes to Roth conversions. Drawing from advanced IRA planning education and real conversations with clients, they break down the concerns that often stop people from taking action. Topics include the fear of paying taxes today, the possibility of higher Medicare premiums, and uncertainty about where future tax rates may be headed. Chris and Russ also look at the opportunities that can make Roth conversions worth considering, especially during the years between retirement and required minimum distributions. The conversation focuses on understanding the numbers, avoiding common misconceptions, and recognizing how delaying a decision can sometimes create larger tax consequences later. Topics include: \u2022 Why many investors avoid Roth conversions \u2022 How today\u2019s tax environment may create planning opportunities \u2022 The impact conversions can have on Medicare premiums and future taxes \u2022 Why timing matters in retirement income planning \u2022 How Roth strategies fit into a broader long term financial plan This episode is not about pushing a one size fits all strategy. It is about helping investors better understand their options so they can make informed decisions based on their goals, income needs, and future tax considerations. #RothIRA #RetirementPlanning #TaxStrategy #Investing #FinancialPlanning #WealthManagement #IRA #MoneyDecisions ","author_name":"Something More with Chris Boyd","author_url":"http:\/\/somethingmorewithchrisboyd.libsyn.com","html":"