Episode Details

Roth Conversions and the 5-Year Rule (Explained!)

Episode 213 Published 2 years, 3 months ago

Want an easy way to learn how the "Roth 5-Year Rule" affects your unique situation?

As a thank you, you'll receive my one-page flowchart (PDF) for navigating this confusing rule.

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TODAY'S EPISODE:

The "Trump-era tax cuts" are set to expire in 2026.

In other words, retirement savers only have two more years to take advantage of today's lower tax rates.

One of the popular strategies to do this is through (aggressive) Roth conversions.

As a result, I've had more questions than ever about the wildly confusing "Roth IRA 5-year rule"...

...specifically as it relates to Roth conversions.

To help simplify this rule, I'm sharing TWO simple questions you can answer to understand how the rule works.

I'm also sharing several real-life examples + my thoughts on what an election year might mean for the Tax Cuts and Jobs Act (TCJA).

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