Don’t Do a Roth Conversion — Until You Hear This

Roth conversion calculators can show impressive numbers, but there's something important they often leave out...Every projection is built on a stack of assumptions: future tax rates, inflation, investment returns, and even the order in which spouses pass away. Change one of those inputs, and the entire answer can flip.In this episode, I break down:- Why Roth conversion models can be wildly misleading, even when they look precise- Three situations where converting may actually not be in your best interest- How IRMAA surcharges, ACA subsidies, and the senior deduction can quietly change your math- Why sequence-of-return risk is a real but overlooked downside of aggressive conversions- The year-by-year approach that actually works, without needing a crystal ball- When Roth conversions ARE a powerful move, including for the surviving spouse and for passing wealth to heirs more efficientlyThe goal isn't to talk you out of Roth conversions. It's to make sure you understand what you're doing and why, so you're not just chasing a number on a screen.