IMPORTANT Rules To Know Before You Do A Roth Conversion

Thinking about converting your traditional IRA to a Roth? It might be a powerful strategy—but only if you do it right. In this episode, Ari breaks down the key rules, timing considerations, and common mistakes people make when doing Roth conversions.

You’ll learn what a Roth conversion actually is, who it benefits, and how to avoid unexpected tax bills. We’ll also cover how a conversion can impact your Medicare premiums (IRMAA), and why the pro-rata rule is something you don’t want to overlook.

Whether you’re trying to reduce your lifetime tax bill, leave a tax-free legacy, or simply retire smarter, this video gives you the foundational guidance to start thinking strategically.

At Root Financial, we help people optimize what they’ve worked so hard for. A Roth conversion isn’t just a tax move—it’s a planning decision that should support your long-term goals.

Interested in a custom strategy to retire early?
→ https://www.rootfinancial.com/start-here/

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Time Stamp
00:00 - What Is a Roth Conversion (and Why It Matters)
02:55 - Tax Rules, Timing, and How to Avoid Penalties
04:45 - How Roth Conversions Impact Medicare and IRMAA
07:37 - Common Mistakes to Avoid
09:36 - Final Thoughts and When to Get Professional Guidance
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Ari Taublieb, CFP®, MBA, is the Chief Growth Officer of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast.

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Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.

The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

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Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Видео IMPORTANT Rules To Know Before You Do A Roth Conversion канала Ari Taublieb, CFP®