Roth Conversion Mechanics: Mastering the Timing, Taxes, and Traps

Podcast: Protect & Grow · Tim Stearns

Opublikowano: 2026-10-03

In this episode of Protect and Grow Chicagoland Retirement, host Peter sits down with Tim Stearns, CFP®, to dive deep into the mechanics of Roth conversions. While the concept of a Roth conversion is simple, the execution requires careful planning around timing, income tax brackets, age milestones, and funding sources for tax liabilities.Tim breaks down how to "nibble on the tax bill" through multi-year strategic planning rather than converting large balances all at once. They cover key windows of opportunity—including in-service distributions at age 59 1/2 and highlight potential pitfalls to avoid, such as IRMAA Medicare surcharges, Social Security tax...