Maximize your retirement savings with smart Roth conversion strategies. In this episode, Certified Financial Planner Michael explains how to convert pre‑tax retirement accounts into a Roth IRA for tax‑free growth and withdrawals. Learn the best timing windows — from retirement gap years to market downturns — and how to avoid costly mistakes like Medicare IRMA surcharges and bracket creep. Discover how Roth conversions can reduce future RMDs, lower lifetime taxes, and create a more tax‑efficient inheritance for your heirs. Whether you’re planning for retirement, managing estate taxes, or exploring charitable giving strategies, this episode offers actionable insights to help you protect your wealth and legacy.

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