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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