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—especially 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't, using clear, real-world examples. You'll 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'll also break down why legacy plans, filing status changes, and Social Security taxation are key pieces of the puzzle.
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