Most retirees guess when to do Roth conversions and that mistake can cost hundreds of thousands in unnecessary taxes. In this video, Joe explains why Roth conversions are not about if you should do them, but when and how fast you should act. This is especially important if you have a pension, over one million saved, or expect higher income later in retirement. Joe breaks down the current tax window, retirement gap years, required minimum distributions, and how pensions and Social Security timing impact your Roth strategy. This is a must watch if you hate taxes and want more control and flexibility in retirement.

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