Should You Convert to a Roth Before Retirement?

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Roth conversions can be a powerful tax strategy, but are they the right move when you’re just about to retire? In this video, Matt walks through a real-life case study to test that very question. Using Jerry and Ruth Crawford’s $7.3 million portfolio, he explores different strategies, from converting everything at once to filling tax brackets little by little.

Here’s some of what we discuss in this episode:

⚖️ Full Roth conversion vs. phased approach

📉 Why converting all at once can reduce portfolio growth

📊 Lifetime tax savings with bracket targeting

⏳ Impact of delaying Social Security to age 70

🏡 Flexibility and legacy benefits from tax-free Roth assets

0:00 – Intro

0:47 – Case Study

2:47 – Full Roth conversion

3:44 – Partial conversion

7:26 – Delaying Social Security

8:45 – Flexibility and legacy benefits

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