Roth IRA Explained: Our last video received an overwhelming response with nearly 100 comments and counting! So, we made a follow-up video to answer your biggest questions surrounding the intricacies of the Roth IRA Conversion Ladder strategy and its benefits. We answer retirement planning questions about how the Roth Conversion Ladder works for different marital situations, tax brackets, upcoming potential policy changes, differing stock market conditions, and much more.
🏃🏻 Jump right in:
01:18 With the numerous bank failures as of late, am I better off reinvesting my retirement savings in the stock market or do I wait?
06:30 How does the Roth Conversion Ladder work for single people?
07:10 How does the conventional strategy drag you into increasing tax brackets, IIRMA thresholds and possibly NIIT (Net Investment Income Tax)?
09:49 What rate of return are you assuming for the investments? How would Roth Conversions be navigated if one was still employed?
13:08 What happens with Roth IRA Conversions if one spouse dies much earlier than expected?
19:42 Under what circumstances would it pay to continue the ladder until everything is converted to Roth? Is it a large taxable account you can live off of? What if you don’t need the RMDs?
#rothconversions #taxplanning #retirementincome
🍿Check out the original video where we answered, “What is a Roth Conversion Ladder?” with a few case studies modeling how it can save you up to $600k in taxes. It includes the basics of income distribution planning, tax strategy, and Social Security optimization so you can navigate your own retirement planning with heightened financial visibility and potential savings. Watch that video here: • I’m 60 with $1.5 Milli...
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Disclaimer:
This video discusses fixed-income investing and utilizes the 10-year U.S. treasury as a general representative fixed-income investment. Conclusions reached, opinions stated, and downside risks and potential returns presented should not be construed as applying to other types of bonds or fixed-income assets. Other types of fixed-income products carry different levels of risk and return potential and should be evaluated as an element of a diversified portfolio with your specific risk tolerance, investment objectives, and timeline in mind. Nothing in this video is investment advice, an investment recommendation, or an offer to buy or sell any security. Investing involves risk.
9 сен 2024
