Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

Roth conversions can be a powerful retirement planning tool, but they’re not automatically right for everyone. In this episode, Shawn breaks down how Roth conversions work, why timing matters, and how taxes, Medicare premiums, required minimum distributions, and your overall retirement income plan can affect the decision. You’ll also learn why conversions are often spread across multiple years, how different tax “buckets” can work together, and why your age alone shouldn’t determine whether a Roth strategy makes sense. 

Here’s some of what we discuss in this episode:

⏱️ Pay Now or Later — Understand the Roth conversion tradeoff
📆 Timing Matters — Why conversions may span several years
🚨 RMD Pressure — Plan before required withdrawals begin
🩺 Medicare Impact — Conversions could raise your premiums
🪣 Tax Buckets — Balance taxable, deferred, and Roth money
🎯 Case by Case — Age alone doesn’t determine the answer

Website: https://retirewisepro.com/
Phone: (404) 692-1233
Contact our team: https://retirewisepro.com/contact/

Retirement Toolkit: https://bit.ly/4dqNS5M
The Priority of Retirement Book: https://bit.ly/4eNrKFg

Attend a Live Learning Event: https://bit.ly/4dlHeOb
Complementary guides here: https://bit.ly/4dIC2oV
 
Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

YouTube: https://bit.ly/4tFxIfd


Disclosure: https://bit.ly/4x9Aoo4