Скачать или смотреть Caused by Roth Conversions. Watch this video BEFORE converting your IRA to Roth.

Everyone’s talking about Roth conversions like they’re a retirement cheat code — pay taxes now, save big later. But here’s the truth: Roth conversions aren’t right for everyone. And in some cases, they can backfire badly.

In this video, we walk through the real-life example of Bob and Jane Smith — a retired couple with solid savings and big questions about taxes and income. On paper, a Roth conversion seemed like a smart move... but the numbers told a different story.

👉 You'll learn:

Why Roth conversions can hurt your cash flow and increase risk

What hidden costs many retirees overlook

Key factors that could make a Roth conversion more (or less) appropriate

📌 If you’ve been told you “should” do a Roth conversion, hit pause and watch this first. Every financial move comes with trade-offs — and what works for someone else might not work for you.


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Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This is a hypothetical example and is not representative of any specific investment. Your results may vary.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.