Do NOT Roth Convert If You Meet These 6 Rules

from Joe Knows Retirement · host Joe Schmitz Jr.

Most people hear "Roth conversions save taxes"… but that's NOT always true. In today's episode, Joe breaks down 6 situations where a Roth conversion can actually hurt you, especially if you are in or near retirement. Whether you have a pension, you're a Midwestern Millionaire, or you're part of that 2% of retirees with over $1M saved, tax planning is critical. The Roth rules are not one-size-fits-all and making the wrong move could cost you tens or even hundreds of thousands of dollars over your lifetime. 🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv 📚Get a FREE copy of Joe's book "I Hate Taxes": https://keap.page/bsd964/toolkit-podcast.html 🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/reasons-roth-conversions-and-pensions-work-well-together 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

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This episode is 17 minutes long.

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This episode was published on December 18, 2025.

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