Latest / Mason Street Retirement Insights
Think You're Too Old for a Roth Conversion? Think Again
Could a successful IRA become a tax headache later in retirement? Sean Mason unpacks a real-world scenario involving an 80-year-old retiree facing a massive required minimum distribution (RMD) and the tax consequences that follow. He explains how RMDs can impact Social Security taxation, Medicare premiums, and long-term tax planning. Sean also discusses why Roth conversions are about more than just today's tax bill, how to evaluate them within a broader retirement strategy, and why age alone may not determine whether a conversion still makes sense for you or your heirs.
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