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The Roth Conversion Sweet Spot: Maximize Retirement Savings (And Avoid Costly Mistakes)

Listener Nael opens up a discussion about Roth conversions. There are benefits to doing Roth conversions, but can you do too many? Are there any downsides to Roth conversions? Reaping the tax benefits from Roth conversions requires hitting a specific sweet spot. If you convert too little or too much, you’ll be leaving money on the table. So, how do you find Roth-conversion the sweet spot? James lays out five things you should consider as you plan when and how much to convert: 1. Macro and micro tax environment 2. Required minimum distributions 3. State tax brackets 4. Charitable giving 5. Legacy planning Questions answered: How might a future out-of-state move impact Roth conversion decisions? What impact might Roth conversions have on charitable giving or legacy gifts? ======================= Learn the tips & strategies to get the most out of life with your money. Get started today → https://www.rootfinancialpartners.com/ Get access to the retirement software I use in this video and more → https://retirement-planning-academy.m... 🔔 Make sure to subscribe here to be notified for future videos!    / @rootfp   _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/rootfinancialpartners ⏱Timestamps:⏱ 0:00 - Question from Nael 2:20 - The wrong 4:27 - The right way 7:21 - The reality 9:12 - Macro/micro tax environment 11:19 - RMDs and state taxes 15:36 - Charitable giving 17:12 - Legacy and life expectancy 21:22 - Wrap-up Other videos we think you'll like: About Root:    • Financial advisors with heart.   Worried about retirement? Start here:    • Worried About Retirement..Start With ...