Pay Taxes Once… Or Keep Paying Forever? (Roth Conversion Explained)

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Roth conversions can be one of the most powerful tax strategies available to pre-retirees and retirees — but only when used correctly.

Many people build substantial savings in traditional IRAs, 401(k)s, and other tax-deferred retirement accounts without realizing that the IRS is effectively a silent partner. Every withdrawal in retirement is taxable. Required Minimum Distributions (RMDs) starting at age 73 can push income higher, increase tax brackets, and even raise Medicare premiums.

In this video, I explain:

• What a Roth conversion is and how it works
• When Roth conversions make sense
• The risks of converting too much too fast
• How RMDs can trigger higher taxes
• How Roth IRAs eliminate required minimum distributions
• Why retirement “gap years” can be ideal for conversions
• How Roth strategies can reduce lifetime taxes
• How to avoid Medicare IRMAA surcharges
• How Roth accounts can create tax-free legacy planning

Roth conversions aren’t about avoiding taxes entirely. They’re about choosing when you pay them — on your terms — instead of being forced into higher brackets later.

If you’re approaching retirement and want clarity around your 401(k), traditional IRA, RMD strategy, and long-term tax planning, schedule a consultation using the link above.

Strategic tax planning can mean the difference between paying taxes once — or paying them year after year for the rest of your retirement.










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