In this episode, The Annuity Man discussed:

• Seeing through product-driven Roth pitches

• Recognizing political risk in long-term tax planning

• Keeping conversions separate from annuity products

• Avoiding shiny-object sales tactics

Key Takeaways:

• Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing.

• Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions.

• Run conversion numbers independently of any annuity recommendation. Evaluate tax impact, break-even timing, and personal comfort before acting.

• Watch for bonuses, churning, and pressure to "flip" existing annuities. Focus on guarantees, documentation, and advice from qualified tax professionals.

"You should never do a Roth conversion without talking to a Certified Financial Planner, a CPA, or tax lawyer. Period." — Stan The Annuity Man

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: [email protected]

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