Steven Jarvis is joined by Andrew Herman, software engineer at Holistiplan and former CFP®, to discuss what advisors often get wrong about Roth conversion planning. They explore why successful Roth conversion strategies are built around tax bracket arbitrage, not eye-catching lifetime tax savings projections, and why estimating future tax brackets is often more valuable than trying to predict exact future income. Steven and Andrew also talk about the challenge of helping clients see the value of paying taxes today for benefits they may not realize for many years. Along the way, they discuss how technology can strengthen an advisor's recommendations without replacing professional judgment, and Andrew shares his thoughts on the next generation of planning tools that could optimize Roth conversion strategies based on each client's unique goals.

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