In this episode of Make It Make Cents (powered by Armstrong Advisory Group), Michele Cropley and Michael Bradley cover two important retirement tax strategies: Roth contributions in an employer plan and Traditional IRA → Roth IRA conversions.

●      How Roth workplace contributions differ from traditional pre-tax contributions

●      Employer match: why it typically goes into a pre-tax bucket

●      Contribution limits (higher than Roth IRA limits)

●      When Roth may not fit (tax bracket, take-home pay, potential bracket creep)

●      Why conversions can be useful in lower-income years or early retirement years

●      How conversions can reduce future RMDs

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