Jun 15, 2026 · 23 min · 9 segments
Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 📍Contact Devin's team at…
You know, there is one thing that so many of the new consultations that I have that the individuals lead with, and that is, you know, I think I might need to look at Roth conversions.
And when you dig into that, the one question that's at the heart of of all of those is I want to see if it'll save me taxes.
Can I save money on taxes by doing a conversion? Because I'm looking down the road at this IRA that I've just put money into for the last 40 years without, you know, I've had my head down working, didn't really plan it out.
So I've got all this money now in a pre-tax account and, And I'm afraid what's going to happen when I turn 73 or 75, whatever their required beginning date is for those RMDs.
And now they're worried that they're going to have this big tax avalanche hit them.
You need to do the research on it when you're in that golden window, right? We've talked about this before, that golden runway period between the time you retire and when social security starts is the most optimal time.
And then even beyond that, you've still got a pretty optimal time between when social security starts and RMDs begin.
And you need to check that box that during that period to do at least an analysis on Roth conversions before you hit 75 and look back and go,
You know, there is one thing that so many of the new consultations that I have that the individuals lead with, and that is, you know, I think I might need to look at Roth conversions.
And when you dig into that, the one question that's at the heart of of all of those is I want to see if it'll save me taxes.
Can I save money on taxes by doing a conversion? Because I'm looking down the road at this IRA that I've just put money into for the last 40 years without, you know, I've had my head down working, didn't really plan it out.
So I've got all this money now in a pre-tax account and, And I'm afraid what's going to happen when I turn 73 or 75, whatever their required beginning date is for those RMDs.
And now they're worried that they're going to have this big tax avalanche hit them.
You need to do the research on it when you're in that golden window, right? We've talked about this before, that golden runway period between the time you retire and when social security starts is the most optimal time.
And then even beyond that, you've still got a pretty optimal time between when social security starts and RMDs begin.
And you need to check that box that during that period to do at least an analysis on Roth conversions before you hit 75 and look back and go,
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