Want to create an interactive transcript for this episode?
Podcast: Money Matters by Allworth Financial
Episode: Smart Tax Diversification & Roth Conversions
Description: In this episode of Money Matters, Scott and Pat unpack why tax diversification is one of the most overlooked strategies in retirement planning. From a 70-year-old investor with $3.6 million mostly in traditional IRAs to a 55-year-old looking to retire early and start Roth conversions, they explore how tax diversification can help reduce lifetime taxes and create flexibility in retirement income.
You’ll hear discussions about:
-When Roth conversions make sense — and which tax bracket to target
-How much cash and bond exposure you really need before retiring
-The realities of the 4% rule...