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Roth conversions can be one of the most effective ways to reduce taxes in retirement, but only if you use them strategically.

In this episode of Retirement Approved, Matt Dombrowski, CFP® joins the show to break down the Roth planning strategies retirees should use to manage taxes, avoid penalties, and maximize long-term wealth. From timing conversions based on tax brackets to utilizing the Roth IRA’s ability to grow tax-free for your beneficiaries, we will walk you through the steps to take before retirement to make the most of this powerful tool.

Here’s what we discuss in this episode:

🧮 Timing is key – The “tax valley” years are prime for conversions.

💼 Tax bracket management – Maximize conversions without bumping into higher brackets.

🏥 IRMAA avoidance – Avoid penalties and higher premiums by staying below Medicare income thresholds.

🏡 Roth for legacy – Leave tax-free money for your heirs with strategic planning.

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51