What Your Advisor Should Tell You About Roth Conversion Timing

Episode 33 dives into the strategic timing of Roth IRA conversions—a topic many advisors mention but rarely optimize. Lucas and Luna break down why converting in a down market or lower-income year can slash long-term taxes, using a concrete example: a hypothetical client with $500,000 in a traditional IRA who converts during a 20% market dip. They discuss the 5-year rule for converted funds, the income bracket 'bump zones,' and why waiting until retirement may miss the window. The hosts also explain how the Tax Cuts and Jobs Act's lower brackets (set to expire after 2025) create urgency for conversions now. No fluff—just a clear framework for listeners to ask their advisor the right questions about Roth conversion timing. #RothConversion #TaxPlanning #RetirementAccounts #IRA #RothIRA #TaxStrategy #FinancialAdvisor #WealthManagement #TaxBrackets #DownMarket #ConversionTiming #TCJA #TaxCuts #Fiduciary #Finance #Investing #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo