Roth Conversion Taxes: Estimated Payments and the Safe Harbor Rule

When you do a Roth conversion, you usually owe taxes on the amount you move, and the timing of those payments matters more than most people realize. In this listener-question episode, Ryan explains how estimated quarterly taxes work and how to avoid an underpayment penalty.The key is the safe harbor rule: pay in at least as much as last year's tax bill (a bit more for higher earners) and the IRS will not penalize you, even if you end up owing more. Ryan and Aaron walk through round-number examples that make the rule easy to follow. Helpful for anyone planning a conversion in retirement. This is education, not tax advice, so confirm the details with your CPA.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: [email protected], as always, Stay the Course!