Join Tony Leonardi, CFP® from Newtown, Connecticut, for a comprehensive Roth conversion masterclass recorded November 14, 2025.
After celebrating his birthday with fresh pasta and steaks over the firepit, Tony delivers the deep dive you've been requesting.
The Core Principle: Roth conversions only make sense if you anticipate being in a higher tax bracket in the future. Without a comprehensive financial model—your"crystal ball"—you're just guessing with six-figure decisions.
Who Should Convert: Early retirees with low-income years before RMDs, people expecting tax rate increases, large IRA balances facing massive future RMDs, those leavingmoney to heirs in peak earning years
Who Should Avoid Converting: Lower brackets in retirement, no cash for taxes, ACA subsidy recipients,near Medicare IRMAA thresholds ($103K single/$206K married), complex after-tax IRA basis situations
Step-by-Step Implementation (8 Steps): Financial modeling, conversion budget calculation, CPAcoordination, execution before Dec 31, tax payment strategy, estimated payments, five-year tracking, annual reviews
Critical Mistakes to Avoid: Converting without a plan, ignoring pro-rata rule, forgetting statetaxes, triggering IRMAA, thinking you can reverse, converting too much too fast, not having cash for taxes
Current Context: Tax Cuts and Jobs Act made permanent by July 2025 bill, 7 weeks left toexecute 2025 conversions, Medicare IRMAA thresholds, ACA subsidy impacts
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Visit LeonardiFamilyWealthcare.com for financial modeling and conversionanalysis, or download the 2025 Retirement Reset Checklist with Probability of Success Meter.
