Roth Conversions | What Investors Need to Know
Two Quants and a Financial PlannerOctober 02, 202300:47:18

Roth Conversions | What Investors Need to Know

In this episode, we are joined by Sunpointe's Ben Tuscai to take a deep dive into Roth conversions. We discuss the criteria that investors can use to determine when the make sense and why they aren't used in the real world as often as you might think. We also discuss back door Roth conversions, mega back door Roth conversions, conversions inside employer plans and a lot more.

#rothira

00:00 - Intro
02:18 - The major criteria that determines if Roth conversions are appropriate
06:45 - Roth conversions are rarer than you think
08:22 - The importance of phase transitions
12:06 - Other considerations beyond taxes in Roth conversions
14:44 - Roth conversion scenarios
16:07 - The five-year rule
17:03 - The timing of Roth conversions
20:15 - The mix between Roth IRA, traditional IRA and taxable money
23:07 - Roth 401ks and conversions in employer plans
29:32 - The back door Roth conversion
34:09 - The mega back door Roth conversion
37:23 - Potential future tax legislation
38:00 - Roth recharacterizations
40:35 - The importance of asset location
44:21 - The history of the Roth IRA

ABOUT THE PODCAST
Learning how to be a financial planner is one thing. Doing it is another. Follow along with new financial planners Jack Forehand (@practicalquant) and Justin Carbonneau (@jjcarbonneau) as experienced veteran Matt Zeigler (@cultishcreative) helps them navigate the complex world of financial planning and learn about the most important topics that impact all of our financial futures. From investments to retirement to college planning to estate planning to insurance and beyond, we will cover the major financial planning issues that impact all of our lives and will provide a framework to help investors tackle them. We hope you will join us on our learning journey.

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