Is a Roth Conversion Worth It If You’re Close To Retirement?
"I'm 60, probably retiring in 5-6 years, and I just learned about Roth conversions. Is this something I should be doing?" This is a listener question we hear a lot, and the honest answer is: it depends.
Phil digs into what it actually depends on. Roth conversions aren't right for everyone, and they're not wrong for everyone either. The only way to know is to run the numbers on your specific situation, not someone else's.
Here’s some of what we discuss in this episode:
📈 Future RMDs: How larger balances can create bigger taxable distributions later
🚫 Tax-Free Myth: Why Roth conversions still…
The skinny
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