Roth Conversions: When is Enough Enough?

Is it possible to overdo Roth conversions? Dana Anspach explains key strategies for balanced, tax-efficient planning.

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Roth conversions offer tax-free growth, but too much can lead to higher taxes and missed opportunities. Dana Anspach of Sensible Money outlines three methods to evaluate if a Roth conversion aligns with your financial goals, beyond simple rules of thumb focused on tax rates.

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00:00 - Introduction: Is Too Much Roth Conversion Possible?
01:11 - Simplistic Rules vs. Strategic Planning
02:21 - Understanding the Tax Implications of Roth Conversions
03:21 - A Better Way to Approach Roth Conversions
05:30 - Key Factors in Roth Conversion Decisions
06:33 - Measuring Success: Lifetime Tax Savings
10:00 - Tax Diversification and Account Diversification
12:00 - Real Client Example: Balancing Roth Conversion Amounts

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DISCLOSURES
This presentation is for informational purposes only and is not a solicitation to buy or sell securities or provide investment advice. Sensible Money, LLC (“SM”) is a registered investment adviser. Registration does not imply endorsement. For information on SM’s services and fees, you can find our disclosure documents at https://adviserinfo.sec.gov/firm/summ.... Charts or examples are for illustration only and do not guarantee future results. Past performance is not indicative of future outcomes, and investing involves risks, including the possibility of loss.