Roth Conversions Done Right: What Great Advisors Know That Software Doesn’t

In this episode of Root Ready, James shares how advisors should think about Roth conversions—starting with the basics and not just relying on software.

Software can help with numbers, but it can’t see the full picture. James explains why Root advisors use software as a tool, not the final answer.

He talks through key things to consider before doing a Roth conversion, like future tax brackets, RMDs, charitable giving, and income thresholds. You’ll also hear why Roth conversions are more like “tax insurance” than a perfect plan.

If you want to better understand when—and when not—to recommend Roth conversions, this episode is for you.

Submit a question for James here: https://rootreadypodcast.com/

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⏱Timestamps:⏱
00:00 - Introduction
01:17 - Software Dependency Red Flag
02:25 - Client Story: Complex vs Simple Solutions
07:04 - Three-Step Roth Conversion Framework
07:15 - Should You Consider A Roth Conversion?
12:52 - Understand The Landscape & Tax Bracket Dynamics
17:52 - What Is Your Personal View?
20:58 - Showing Up For Clients With Confidence

Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.

Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement.

Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results.

Any opinions expressed are as of the date of recording and are subject to change.

Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.