To Convert or Not to Convert
Roth conversion, Roth IRA strategy, retirement tax planning—should you convert your IRA or not? In this episode of Confidently Funded, we break down everything you need to know about Roth conversions, including when they make sense, when they don’t, and how they can impact your long-term financial plan.
Kerry and Amber walk through the pros and cons of converting a traditional IRA to a Roth IRA, covering key topics like tax-free growth, required minimum distributions (RMDs), tax brackets, and retirement income strategies. Whether you’re planning for retirement, navigating a lower-income year, or thinking about future tax rates, this episode will help you make a more confident, informed decision.
In this episode, you’ll learn:
- What a Roth conversion is and how it works
- When converting can save you money on taxes
- Situations where a conversion might not be the best move
- How to use a “conversion budget” strategy over time Real-life examples to simplify the decision
Roth conversions can be a powerful tool—but only when used intentionally. Tune in to find out if it’s the right move for your financial future.
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