12-5-25 Roth Conversions, Money Rules & Financial Wellness: What Actually Works?

Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:

• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy

RIA Advisors’ Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Rich also shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations.

0:00 - INTRO
0:19 - The Roth Account Smile
4:40 - Roth Applications for Different Stages of Life
12:41 - Rules Can Save You in a Turbulent World
14:55 - Annuities Should Be Planned, not Sold
15:52 - A Home is a Liability, not an Asset
18:35 - Set Personal Financial Boundaries
20:28 - Debt Control & Savings Priorities
22:05 - Dealing with Student Loan Debt
24:32 - Invest in Yourself
26:37 - Benefits of AI - Look Ahead
28:34 - Setting Good Financial Wellness Standards

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP
Produced by Brent Clanton, Executive Producer
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