Zacc Call is back to go over why someone would choose Roth vs Traditional accounts. In this video, he goes over the 8 Reasons Why Someone Should Consider Roth Contributions or Conversions. This is building off the foundational math that if your tax rate stays the same, and your investments grow at the same rate, for the same time, you will have the same spendable amount regardless of whether you go Roth or Traditional. Zacc goes over other factors that may influence that decision of Roth vs Traditional in more depth, building off of the foundational math.

Part 1 of this Series: https://youtu.be/RODrPaJ-xNU

Original Deep Dive Video with over 1.6M Views: https://youtu.be/VHHNYdpVwrU

How Social Security is Taxed: https://youtu.be/-ifv6Y6migk

Zacc's Channel: https://www.youtube.com/@ZaccMoneyEducation

Check out our resources at https://TheRetirementNerds.com/

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⏰ TIME CODES ⏰

0:00 Intro

2:25 1. RMD Management

4:04 2. Inheritance Implications

6:28 3. Government Raising Tax Rates

8:17 4. IRMAA Penalties

11:46 5. Phase Outs & AGI Limits

13:58 6. Social Security Taxation

18:13 7. Marginal Tax Bracket Management

20:38 8. Straddling Marginal Lines

23:14 Motivations for Advisors

25:30 Careful of Marketing Messages

27:53 Where to get help

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Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.