In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb challenge the idea that Roth IRAs are always the best solution. While Roth accounts offer incredible benefits like tax-free growth and no required minimum distributions, they also come with risks and timing issues that can derail your retirement plan.

Jim and Casey share real-life examples, including a client who paid unnecessary taxes after converting too much too fast. Together, they unpack situations where a Roth may not make sense — such as when future tax rates are lower, when you don’t have cash to cover conversion taxes, or when healthcare and Medicare surcharges come into play.

Listeners will walk away with a deeper understanding of how to evaluate Roth conversions and contributions strategically — as part of a broader financial plan, not just because “everyone’s doing it.”

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00:00 – Introduction: The other side of the Roth story

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