Savvy Women Wealth Management

Should You Do A Roth Conversion Before You Retire?

You’ve probably heard plenty about Roth conversions—but does doing one before retirement actually make sense for you? The answer depends on much more than simply moving money from one retirement account to another. Taxes, timing, future income, and your overall retirement plan all matter.

In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explain how Roth conversions work, why taxes require timing, and what should be considered before making the decision.

You’ll discover:
• Why timing can make a difference with a Roth conversion
• How partial and multi-year conversions may work
• Why future RMDs should be part of the decision
• How conversions can affect Medicare premiums, Social Security taxation, and capital gains
• When a Roth conversion may not make sense
• Why today's tax bill needs to be weighed against your future tax picture

A Roth conversion isn’t simply a tax move—it’s a decision that should fit into your larger retirement strategy.

Tune in by clicking the following link. https://savvyup.com/podcast/

Click on the following link to schedule a free consultation. https://savvyup.com/consultation/

Date Recorded: 9/03/26

Disclosure:

Savvy Women Wealth Management is an SEC Registered Investment Advisor

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability.

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