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Kitchen Table FinanceFinancial Planning, Purpose, and Peace of Mind Author: David Shotwell CFP(r) and Nick Nauta CFP(r)
Grab a cup of coffee and join Certified Financial Planner Professionals David Shotwell and Nick Nauta as they discuss personal finance, retirement planning, portfolios, and how the news of the day might affect your financial plans. Language: en-us Genres: Business, Education, How To, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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S4E19 – Does your Retirement Plan Need a ROTH?
Episode 19
Monday, 12 May, 2025
Roth Conversions: Worth It or Not? Welcome back to the Kitchen Table! In today’s episode, Dave and Nick take a deeper dive into the world of Roth conversions—what they are, how they work, and whether or not they make sense for your retirement plan. This isn’t your average tax talk. We’re serving up a practical, no-pressure conversation about a tool that gets a lot of hype—and a lot of confusion. From “backdoor” and “mega backdoor” conversions to tax brackets, timing, and even state-by-state considerations, we break it down so you can decide if a Roth conversion fits into your financial picture. https://youtu.be/1R9DGmRya_Q In This Episode: What is a Roth conversion and how does it work? The pros, cons, and “it depends” of using this strategy How tax brackets and future income impact your decision Real-life scenarios: early retirement, variable income, and legacy planning Roth conversions and their effect on RMDs (Required Minimum Distributions) When it’s better to wait—and when it might pay to act now Takeaway Roth conversions can be a smart move, but they’re not for everyone. As always, your financial goals, current tax situation, and long-term plans matter most. Don’t follow the crowd—make a choice that fits YOU. 💬 Have questions or want to nerd out with us?Email us at info@srbadvisors.com or visit SRBAdvisors.com to schedule a friendly, no-pressure fit meeting. 🔔 Don’t forget to subscribe so you never miss an episode—and let’s keep simplifying your money and your life. ☕ Until next time, keep the coffee hot and your questions coming.
