Age 60 with $1.2M Saved – Should You Roth Convert?

Videos

Roth conversions seem to be everywhere these days.

But before deciding whether a Roth conversion makes sense, I believe there's a more important question to answer:

What are you actually optimizing for?

In this video, I walk through the case of a 60-year-old woman with approximately $1.2 million saved who wanted to know whether Roth conversions should be part of her retirement strategy.

Along the way, I discuss:

• When Roth conversions may make sense
• Future RMDs and retirement tax planning
• Social Security timing considerations
• IRMAA and Medicare premiums
• Why many retirees are on track to spend far less than they could afford

The goal isn't to determine whether Roth conversions are good or bad. It's to understand how they fit into the broader retirement plan and whether they're actually solving the right problem.

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