Roth Conversion Strategies to Protect Your Spouse's Future Tax Burden

A listener says, “Eventually, one spouse will pass before the other, which will often catapult the survivor into a significantly higher tax bracket. Shouldn’t a Roth strategy take this into account?” James explores several factors that could positively and negatively impact a survivor’s tax liability and what to consider when creating a Roth conversion strategy. Questions Answered: How can Roth conversions benefit married couples beyond tax savings? What factors should be considered when determining the optimal strategy for Roth conversions to protect a surviving spouse? Timestamps: 0:00 - Steve’s question 3:40 - An example 6:41 - 3 changes 12:32 - Positive impacts 15:22 - RMD calculations 16:45 - Widows tax penalty 19:46 - When to do Roth conversions 23:40 - Big age gap 28:45 - Start with a good reason 29:57 - The bottom line Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!