Roth Conversions in Retirement Archives - VeriPlan Personal Financial Planning

Social Security retirement benefits can significantly increase taxes on Roth conversions

Larry Russell — Mon, 19 Jan 2026 23:22:47 +0000

VeriPlan’s Roth conversion analysis features automatically project increased U.S. federal and state income taxes on Social Security retirement benefits Roth conversions done when one is already receiving Social Security retirement benefits can increase the amount of Social Security retirement benefits that are subject to federal income taxation. For details on federal income taxation of Social […]

The post Social Security retirement benefits can significantly increase taxes on Roth conversions appeared first on VeriPlan Personal Financial Planning.

Which Roth conversion ladder and Roth contribution strategies are more likely to pay off?

Larry Russell — Sun, 27 Oct 2024 02:07:51 +0000

For richer or poorer; for better or worse; until death do us part… How to choose? Traditional retirement account contribution Roth conversion ladder decisions have many similarities to the marriage decision. Marriages and Roth conversions are very long-term commitments, and they may or may not work out. This article focuses on Roth conversion ladder strategies […]

The post Which Roth conversion ladder and Roth contribution strategies are more likely to pay off? appeared first on VeriPlan Personal Financial Planning.

After Roth contribution or Roth conversion taxes have been paid, are Roth assets more valuable than traditional retirement assets?

Larry Russell — Sun, 27 Oct 2024 02:06:56 +0000

How can I tell if Roth retirement assets are more valuable than traditional retirement assets? The answer depends on your financial circumstances, and it changes over time. This case study article focuses on the beliefs of some investors that Roth retirement assets are inherently more valuable to own than traditional retirement assets. This belief centers […]

The post After Roth contribution or Roth conversion taxes have been paid, are Roth assets more valuable than traditional retirement assets? appeared first on VeriPlan Personal Financial Planning.

Using VeriPlan’s year-by-year Roth conversion calculator

Larry Russell — Tue, 13 Jun 2023 01:29:20 +0000

Plan for your best low tax rate years to do Roth conversions If you are diligent enough to accumulate significant traditional retirement assets, Roth conversions in low income tax rate years during retirement will be the most optimal for you. The article below can help you think about these lifetime financial tradeoffs. Don’t get fooled […]

The post Using VeriPlan’s year-by-year Roth conversion calculator appeared first on VeriPlan Personal Financial Planning.

Converting to Roth after retirement versus making Roth contributions while working

Larry Russell — Sat, 10 Jun 2023 01:30:34 +0000

Economic and investment tradeoffs between traditional and Roth retirement account assets Traditional retirement contributions that reduce taxable income and taxes while working are very valuable, and your tax saving can compound over the years. If you are diligent enough to accumulate significant traditional retirement assets, later in life in retirement Roth conversions might make sense […]

The post Converting to Roth after retirement versus making Roth contributions while working appeared first on VeriPlan Personal Financial Planning.