Simplifying Retirement Planning: Is a Roth Conversion Right for You?

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Your retirement planning includes many moving parts. It’s natural to have concerns about managing your retirement accounts and ensuring you meet the requirements for taking your mandatory annual withdrawals, known as Required Minimum Distributions (RMDs). If you’re approaching age 73 and are a traditional IRA account owner, this might be one of the key reasons you’re exploring the option of a Roth conversion.

A Roth conversion can offer several advantages, including eliminating RMDs and potential tax savings during retirement. However, it’s essential to recognize that it may not be the perfect fit for everyone. Before embarking on this financial journey, there are several crucial questions you should ask yourself.

To assist you in making an informed decision and understanding whether a Roth conversion aligns with your unique financial goals, we’ve prepared a comprehensive resource: “To Convert or NOT to Convert in 5 Easy Steps.” This guide will provide valuable insights into the considerations that come into play before making this significant decision.

If you’re looking for ways to reduce your tax bill in retirement or need personalized guidance on Roth conversions, I’m here to help. I’m Chris Robinson, lead advisor at RFG Wealth Advisory in Argyle, TX, and I specialize in assisting individuals like you with their retirement planning needs. Feel free to give us a call at 940-464-4104 to schedule call, or you can book a convenient, no-obligation call online at RFGWealthAdvisory.com/Free-Assessment. At RFG Wealth, we have a fiduciary duty to always put our client’s interests first and have a simple, transparent fee structure that’s easy to understand.

Your financial future is essential, and your current choices can significantly impact it. Let’s work together to ensure your retirement plan aligns perfectly with your goals and secures the comfortable retirement you deserve.

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“These materials have been independently produced by RFG Wealth Advisory. RFG Wealth Advisory is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. RFG Wealth Advisory provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.”

Investment advice offered through RFG Wealth Advisory, a registered Investment advisor. FINRA/SIPC.


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