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If you're a public employee with a pension, the generic retirement advice — "don't worry about Roth conversions, you'll be in a lower tax bracket" — may not apply to you. In this episode, Cole Krilich of Farer Financial LLC breaks down five reasons why pension holders need to take a closer look at Roth conversions than most financial content suggests.

Topics covered:

• Why your pension may keep you in a higher tax bracket than you expect
• How required minimum distributions (RMDs) stack on top of pension income and create a tax problem
• The widow's tax penalty and why it hits pension holders especially hard
• How your predictable pension income is actually a powerful planning tool for Roth conversions
• Why your conversion window may be shorter than you think — and how Social Security, RMD age, and IRMAA all factor in

This episode is for informational and educational purposes only and does not constitute personalized investment, tax, legal, or insurance advice. Viewing this content does not create an advisory relationship. The strategies and examples discussed are hypothetical and for illustrative purposes only. Always consult a qualified professional regarding your specific situation.

Farer Financial LLC is a Registered Investment Adviser registered with the Washington State Department of Financial Institutions.