Roth IRAs and Conversions Explained (Part 2)

Roth IRAs and Conversions Explained

We’re back with Dan Oaklief, RICP®, CPFA® to continue our conversation about Roth IRAs. If you missed part one, be sure to check that out here. In it, we break down the fundamentals of Roth IRAs and discuss the contribution rules for 2023, contribution limits, and much more.

For part two of this series, we’re going to dive a bit deeper into this conversation. Dan will discuss the signs that might prompt a Roth conversion recommendation, the benefits of spreading Roth conversions out over several years, and why the timing of these conversions matter. Listen in as we further demystify Roth conversions and dive into the potential tax-saving and legacy planning benefits that can come with them.


Here are some key takeaways from this episode:

– What prompts a recommendation for Roth conversions in financial planning?

– Why is it important to spread Roth conversions over several years instead of doing a lump sum conversion?

– How does the timing of Roth conversions, particularly in Q4, affect the planning process?

– What are the long-term tax benefits of Roth conversions, especially in the context of RMDs?



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