If someone promises a “tax‑free” Roth conversion—for a $5,000 fee—it’s time to pause and ask hard questions. In this episode of Your Retirement, Your Story, Lawrence Olivier and Redd Sessions unpack a concerning Roth conversion pitch featured in a MarketWatch advice column. Together, they explain why there’s no legal way to convert pre‑tax retirement dollars without paying taxes, how scams and half‑truths show up in retirement planning, and where Roth conversions do legitimately fit. The conversation walks through timing, tax brackets, IRMAA consequences, and why a thoughtful, math‑based plan matters more than emotional or “secret sauce” strategies. A practical discussion rooted in education and healthy skepticism.

If you’re ready to start planning your future with uncompromised integrity or simply want to learn more about how to protect your legacy, visit OlivierSafeRetirement.com.

Don’t forget to subscribe, leave a review, and share this episode with someone who’s thinking about their next chapter. Your retirement is more than a financial decision — it’s your story.