Ep 85: Before You Convert That IRA, Figure Out Who the Money Is Actually For

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.

WHAT YOU'LL LEARN:

Why a Roth conversion can mean voluntarily paying tax you never would have owed. The three-bucket framework that changes how you look at your retirement accounts. How a $50,000 charitable gift can lose $12,000 to taxes, and the simple way to avoid it. What separates two retirees with identical $4 million IRAs. When an aggressive Roth conversion strategy is still the right move. RESOURCES MENTIONED:

MedSpaFinancial.com