Don’t Make This Huge Roth Mistake

Roth conversions can be an incredible retirement tax-planning tool—but doing one at the wrong time could leave you paying more in taxes than necessary. Brian and Bo break down 5 situations where a Roth conversion may not make sense, including high-income years, future tax brackets, paying conversion taxes from your IRA, estate planning, and state income taxes. If you’re wondering when to do a Roth conversion, whether Roth or Traditional is better, or how Roth conversions affect retirement taxes and RMDs, this episode will help you understand the numbers you should consider before making the move.

🔗 2026 Tax Guide → https://moneyguy.com/resource/2026-tax-guide/
🔗 Money Guy’s Top Tax Planning Strategies → https://moneyguy.com/guide/taxes/
🔗 Retirement – Money Guy’s Ultimate Guide → https://moneyguy.com/guide/retirement/
🔗 Everything You Need to Know About Roth IRAs → https://learn.moneyguy.com/everything-you-need-to-know-about-roth-iras
🔗 Work With a Money Guy Financial Advisor → https://moneyguy.com/become-a-client/

🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.

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