A Roth conversion can look smart on paper—but done at the wrong time, it can quietly raise your tax bill. In this episode, David and Dylan Linsky explain why Roth conversions require careful coordination with retirement income, tax brackets, and Medicare premium rules. Using real‑world examples, they break down how timing, dollar amounts, and overlooked thresholds like IRMAA can significantly change outcomes. The discussion highlights both cautionary scenarios and properly structured strategies, emphasizing why Roth conversions should be evaluated within the full context of a retirement tax plan—not as a one‑size‑fits‑all move.

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As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.