5 Comments

1. 

   @ms22401gal on June 4, 2026 at 9:41 am

   So why on Earth did my stupid ass financial planner talk me into doing this? I need a fiduciary, not a salesman.

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2. 

   @Michael-kb2jz on June 4, 2026 at 9:41 am

   Most of the software used to calculate Roth conversion strategy makes the assumption that you live into your 80s. Something you need to think about.

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3. 

   @NorthGeorgiaHawg on June 4, 2026 at 9:41 am

   My wife and I are retired with almost all of our money in traditional IRAs. We are on SS and Medicare, and the biggest impediment to doing any Roth conversions at this point is triggering IRMAA. We would need to use money from our IRAs to fund the taxes on the conversions, and that make no sense at this point. I wish we would have done some Roth conversions when we were still working and not on SS and Medicare, but we didn't. So, at this point Roth conversions are not a viable option for us, as we would never reach the breakeven point. I have modeled doing Roth conversions eights ways to Sunday, and they NEVER result in lower taxes until far beyond our expected lifetimes.

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4. 

   @user-dm5mr1dp3h on June 4, 2026 at 9:41 am

   One expert says convert the next one says don't. Can't watch anymore. I'm just going to convert some every year that doesn't throw me into the next tax bracket.

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5. 

   @timschmidt1928 on June 4, 2026 at 9:41 am

   No one mentions legacy …..a Roth and ensures that there's no tax to the estate proper conversion tactics Ensure that you do not bump up the tax bracket

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