Oct 1, 2026 · 17 min · 15 segments
Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05 Roth conversions can be a powerful retirement planning tool, but…
i am too i am too well speaking of hot ones this is a hot topic right uh so the roth conversion conversation right especially around the age thing so basically let me set you up here because we had a question come in right sure uh and so we'll just kind of frame it and take it wherever you want to go from there but the question was i'm 60. probably retiring in five to six years.
And I just learned that I could be, or should be maybe doing Roth conversions.
Is this something I should be looking at? And again, this is a listener question and we hear this often.
I know you hear this a lot as well.
And I know there's like any financial thing.
It depends, but let's, let's do some ideas or some things for people to think about.
Should they be in a similar boat?
And it is going to be different for everybody, right? Everybody, we do an analysis.
Everybody needs their own analysis because what you convert, when you convert, and how you convert can be different than what your brother-in-law said, right? Or what your aunt Sue said, right? Because everybody has their unique circumstances.
But yes, Roth conversions are definitely worth looking into because the ultimate goal here is to save you tax dollars across the life of your retirement.
Yeah.
And, you know, what we really want to do and we got some questions about the age and this person 60.
Well, there's a timing thing of when we start it and it depends on the person.
But one of the timing things we got to think about is we want to get it done before RMDs, those required minimum distributions kick in around 73.
Because
So but yeah, it's definitely something that someone at age 60 should be looking at because you still have runway to get this done.
i am too i am too well speaking of hot ones this is a hot topic right uh so the roth conversion conversation right especially around the age thing so basically let me set you up here because we had a question come in right sure uh and so we'll just kind of frame it and take it wherever you want to go from there but the question was i'm 60. probably retiring in five to six years.
And I just learned that I could be, or should be maybe doing Roth conversions.
Is this something I should be looking at? And again, this is a listener question and we hear this often.
I know you hear this a lot as well.
And I know there's like any financial thing.
It depends, but let's, let's do some ideas or some things for people to think about.
Should they be in a similar boat?
And it is going to be different for everybody, right? Everybody, we do an analysis.
Everybody needs their own analysis because what you convert, when you convert, and how you convert can be different than what your brother-in-law said, right? Or what your aunt Sue said, right? Because everybody has their unique circumstances.
But yes, Roth conversions are definitely worth looking into because the ultimate goal here is to save you tax dollars across the life of your retirement.
Yeah.
And, you know, what we really want to do and we got some questions about the age and this person 60.
Well, there's a timing thing of when we start it and it depends on the person.
But one of the timing things we got to think about is we want to get it done before RMDs, those required minimum distributions kick in around 73.
Because
So but yeah, it's definitely something that someone at age 60 should be looking at because you still have runway to get this done.
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