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McNamaraOnMoneyMcNamara Financial is an Independent, family-owne Author: McNamara Financial
McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. Language: en Genres: Business Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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Should You Convert to a Roth? Running the Real Numbers.
Wednesday, 16 September, 2026
What does a Roth conversion actually look like when you run the numbers? In this episode of McNamara on Money, financial advisor Alyssa McNamara Reed works through a real-life Roth conversion analysis with volunteer Jerry. Using financial planning and tax software, Alyssa looks at Jerry’s retirement income, spending, mortgage, taxes, and long-term goals to see whether converting traditional retirement funds to a Roth makes financial sense. Along the way, Alyssa explains why the years between retirement and required minimum distributions can present an opportunity for Roth conversions, and why the answer is rarely as simple as “pay the taxes now and save later.” Changes in spending, mortgage payments, tax rates, and life expectancy can all affect whether a conversion ultimately pays off. It’s a practical look at Roth conversions using real numbers, real trade-offs, and the kind of analysis that can help determine whether the strategy fits an individual retirement plan. 📅 Want to speak with the team at McNamara Financial? Schedule a consultation today: 👉 https://mcnamarafinancial.com/contact ⸻ McNamara Financial is a family-owned, independent, fee-only financial planning and investment management firm. For over 30 years, we’ve helped individuals and families on the South Shore and beyond navigate their financial futures with clarity, confidence, and care. 💼 Come see what it’s like to work with a fiduciary. http://mcnamarafinancial.com
