We unpack Roth vs pretax with clear rules of thumb, why Roth is a tax code not an account, and how RMDs can create a tax spike you don’t need. A real case study shows how targeted Roth conversions and a 50-50 balance can flatten lifetime taxes.
• Roth is a tax treatment applied to IRA or 401k
• Difference between workplace plans and individual accounts
• Traditional pretax: deduction now, taxes later
• Roth: taxes now, tax-free withdrawals later
• How to choose using the 32% bracket rule of thumb
• Targeting a 50-50 Roth vs pretax split by retirement
• RMD ages, factors, and penalties explained
• Case study on RMD-driven tax spikes
• Strategies: stop pretax contributions, use Roth conversions, exploit tax windows
Please consult with a professional before acting on any information shared in this podcast pertaining to financial, investment, legal, or tax advice
To learn more about Stansell Wealth Planning visit:
https://www.StansellWealth.com
Stansell Wealth Planning
5550 Granite Pkwy, STE 270
Plano, TX 75024
469-606-2040
