Roth IRA vs Traditional IRA for High Net Worth Investors

Episode 33 of Roth IRA with Fexingo tackles a question most advice glosses over: once you're a high-net-worth investor with a sizable traditional IRA balance, does converting to Roth still make sense? Lucas and Luna walk through the math for a hypothetical couple with $2 million in a traditional IRA, a 37% marginal rate, and a 25-year retirement horizon. They compare the tax torpedo from Required Minimum Distributions against the upfront conversion tax, using concrete numbers for RMDs at age 75 and the impact on Medicare surcharges. They also discuss state tax considerations, estate planning for heirs, and why the optimal strategy often becomes a partial, laddered conversion over several years. This episode gives high earners a practical framework for deciding whether the Roth conversion math works in their specific situation, with no generic advice. #RothIRA #TraditionalIRA #HighNetWorth #RothConversion #RMD #TaxPlanning #EstatePlanning #MedicareSurcharges #IRMAA #RetirementPlanning #WealthManagement #TaxStrategy #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #LucasAndLuna #Investing Keep every episode free: buymeacoffee.com/fexingo