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Would you ever pay more to the IRS… on purpose? Sometimes the smartest move in retirement planning is the one that feels most counterintuitive, like voluntarily paying more taxes now. In this episode, Matt breaks down why certain high earners should consider a Roth 401(k) conversion during a lower-income year- if their plan allows it.

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

💡 How paying more taxes now could save high earners later

📈 How Roth 401(k) conversions create tax-free growth

🗓️ The “hidden window” for high earners in lower tax years

⚠️ Key mistakes to avoid when converting

👨‍👩‍👧 Passing wealth to your heirs tax-efficiently

0:00 – Intro

0:58 – In-Plan Roth Conversion Strategy

2:21 – Why Should High Earners Do This?

4:48 – Who Should Consider This?

5:46 – Mistakes to Avoid

Other Resources

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📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6wealthadvisors.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/

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