How to Avoid a Tax Time Bomb in Retirement (Ep. 185)

Roth conversions may be one of the most overlooked tax planning opportunities in retirement, and the cost of waiting could be staggering.  With recent legislative changes, longer life expectancies, and compressed inheritance timelines for your heirs, it’s never been more important to get this right. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, […]

Why Timing a Roth Conversion Could Be One of Your Most Valuable Retirement Decisions

You’ve worked hard, saved diligently, and now you’re thinking ahead, maybe even about passing that wealth on. But there’s a catch most people don’t see coming: taxes. Even if you’ve done “everything right”, your retirement account could turn into a future tax liability for you or your heirs. The longer your traditional 401(k) or IRA […]