Roth Conversions: The Tax Move Most Retirees Avoid — But Shouldn’t | Debating Your Dollars Ep.2

Описание: Is a Roth IRA conversion worth it — or just an expensive mistake?
In this episode of Debating Your Dollars, advisors Will Hoffman and Niko Rosso unpack everything you need to know before converting your traditional IRA or 401(k) into a Roth.

They break down:
✔ What a Roth conversion actually is
✔ Why paying taxes upfront is so emotionally difficult
✔ The “tax valley” — and how timing conversions can save thousands
✔ The widow penalty (a major reason conversions matter)
✔ How RMDs can push retirees into higher tax brackets
✔ When conversions make sense… and when they don’t
✔ Why you should NEVER make this decision without a professional

This episode is packed with real client scenarios, tax insights, and practical guidance for anyone planning their retirement income strategy.

👇 Comment with the next topic you want Will & Niko to debate!

#rothconversion #retirementplanning #taxplanning #debatingyourdollars #hoffmanwealthmanagement

Connect with Will Hoffman:

http://www.hoffmanwealth.com
(724) 522-5411
[email protected]
LinkedIn: Will Hoffman:   / willhoffmanhwm  
Facebook: Hoffman Wealth Management:
  / hoffman-wealth-management-101186562746291  
YouTube: Hoffman Wealth Management:    / @hoffmanwealthmanagement  

Connect with Niko Rosso:

http://www.hoffmanwealth.com
(724) 522-5411
[email protected]
LinkedIn: Dominic: linkedin.com/in/dominic-rosso-738a0a208
Facebook: Hoffman Wealth Management:
  / hoffman-wealth-management-101186562746291  
YouTube: Hoffman Wealth Management:    / @hoffmanwealthmanagement