Roth IRA in Retirement: Why You Still Need One

Описание: Are you retired—or planning to retire soon—and unknowingly facing a retirement tax time bomb?

Many retirees believe Roth IRAs are only useful for younger investors. But the truth is, a Roth IRA can be one of the most powerful retirement tax planning tools even after age 60 or 70.

In this video, you’ll learn how retirees are using Roth IRAs and Roth conversions to:

Avoid required minimum distributions (RMDs) at age 73
Create tax-free retirement income
Reduce lifetime taxes by $300,000 or more
Lower Medicare premium surcharges (IRMAA)
Leave a tax-free inheritance to children and grandchildren

What You’ll Learn in This Video

✔ Why Roth IRAs offer tax-free growth for retirees
✔ How Roth IRAs eliminate forced withdrawals
✔ A real case study showing $300,000+ in tax savings
✔ Why Roth IRAs are ideal for estate and legacy planning
✔ How strategic Roth conversions work during low-income retirement years

We also walk through real-life examples showing how smart retirees convert money from traditional IRAs and 401(k)s into Roth IRAs one year at a time, staying in lower tax brackets and saving six figures in taxes over retirement.

If you’re concerned about taxes, RMDs, or leaving money to your family, this is a must-watch retirement planning strategy.

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👉 Next video: How to calculate Roth conversions without jumping into a higher tax bracket

About Desmond Wealth Group

Desmond Wealth Group specializes in retirement planning, Roth conversion strategies, tax-efficient income planning, and legacy planning for individuals nearing or in retirement.

📍📈 Serving retirees and pre-retirees providing fiduciary, retirement-focused advice in the Capital Region of New York, including Troy, East Greenbush, Guilderland and the surrounding areas.

This video is for educational purposes only and does not constitute individualized tax or investment advice.