The Roth Conversion Loophole Most Retirees Miss

Episode 4 of Retirement Planning with Fexingo digs into Roth IRA conversions — a powerful but often misunderstood strategy. Lucas and Luna break down a real-life case: a 58-year-old engineer with $600,000 in a traditional 401(k) who converts $50,000 per year over five years, paying taxes now to lock in tax-free growth. They explain the five-year rule, the pro-rata rule, and why 2026's lower tax brackets (set to expire in 2027) make this a narrow window. No fluff, no sales pitch — just a concrete playbook for listeners wondering whether to convert before the Tax Cuts and Jobs Act sunsets. #RothConversion #RetirementPlanning #TaxStrategy #IRA #401k #RothIRA #ProRataRule #FiveYearRule #TaxCutsAndJobsAct #Sunset #2026TaxBrackets #FinancialPlanning #WealthManagement #TaxEfficiency #FexingoBusiness #BusinessPodcast #Finance #Retirement Keep every episode free: buymeacoffee.com/fexingo