Roth conversions, Social Security timing, RMDs, and IRMAA — what order should you tackle retirement decisions? Most people start with the wrong one.

In this episode, Erik Soderborg from The Retirement Nerds and Zacc Call from Capita Financial Network break down a step-by-step sequencing framework for retirement income planning. If you've been told to prioritize Roth conversions above everything else, this video explains why that approach can backfire — and what to anchor first instead.

This is Episode 5 of our Social Security series.

Watch the full series:

▸ Episode 1: https://youtu.be/AZfxGBp-Mts

▸ Episode 2: https://youtu.be/Ssgulq9KwEU

▸ Episode 3: https://youtu.be/FpnHmouqYl4

▸ Episode 4: https://youtu.be/vDxe7vUxC1I

Zacc's Channel:

ttps://www.youtube.com/@ZaccMoneyEducation

📋 Want help building your own Social Security plan?

https://theretirementnerds.com/

📘 Free Medicare Guide:

ttps://theretirementnerds.com/medicare-playbook/

⚖️ Need an estate plan?

Set up your revocable living trust with Jim Burch:

ttps://easylegalplanning.com/

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ABOUT THE RETIREMENT NERDS

Erik spent years inside the insurance and pharmacy benefit industries before switching sides to help retirees navigate Medicare, Social Security, financial planning, and estate planning — without the spin.

Subscribe: https://www.youtube.com/@Theretirementnerds

Website: https://theretirementnerds.com/

⏰ TIME CODES ⏰

0:00 Intro

2:10 The Seating Chart

5:50 Factors To Change the Seating

7:30 Net Present Value of Taxes

9:58 The Base Case: Convert Nothing

11:40 The Framework

21:13 The Unsolvable Loop

23:05 The Most Flexible Seat

24:35 Surprising Roth Philosophy

26:08 Questions from the Internet

38:10 Most Important Points

42:06 Where to Get Help

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#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #rothconversion

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.