Roth conversions are widely discussed but often misunderstood. In this episode, we begin by defining how Roth accounts and conversions work, then examine why conversions have gained attention in recent years. We explore how required minimum distributions, survivor tax changes, and Medicare premiums influence the long-term impact of a conversion. This conversation is designed to help listeners understand when a Roth conversion may support a coordinated lifetime tax plan and when it may not.

Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity. This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Metler are professional financial advisors in the private sector. They serves as a financial instructor for the Retirement Education Foundation on a volunteer basis.