8 Advanced Reasons to Roth or Not: RMDs, Inheritance, and Social Security | The Guided Path S2E2

For important disclosures, visit: https://www.capitafinancialnetwork.co...

📊 Think you've got Roth vs. Traditional figured out? Think again.

In this deep-dive follow-up to the Season 2 premiere, Zacc and Tyson explore the advanced side of Roth decision-making. From required minimum distributions and inheritance tax mismatches to the hidden costs of Medicare (IRMAA) and surprising Social Security tax dynamics—this episode equips you with the high-level frameworks most investors never even hear about.

*Updated numbers for the chart around 4 minutes 50 seconds
73 = 3.77%
74 = 3.92%
75 = 4.07%
80 = 4.95%
90 = 8.20%

Discover why sometimes not converting to Roth is the smart move, how phase-outs and AGI limits could quietly cost you, and the hilarious (yet sobering) analogy of retirees as “zebras hiding in the herd.”

📈 You’ll walk away with the tools to think years ahead, make tax-efficient decisions now, and avoid common pitfalls that could derail a retirement plan.

For more information about Capita and additional educational resources, visit 👉 https://www.capitafinancialnetwork.com/

0:00 - Introduction
4:23 - Required Minimum Distribution Management
7:04 - Inheritance
10:35 - Government Debt Might Drive Up Taxes
13:39 - IRMAA Penalties
16:06 - Phase-Outs and AGI Limits
17:41 - Reducing or Eliminating Social Security Taxation
22:36 - Advanced Marginal Tax Bracket Management
24:26 - Straddling a Marginal Tax Bracket Line

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