⚠️ When a Roth conversion DOES NOT Make Sense

According to Fidelity, Roth IRA conversions jumped 41% in the first quarter of 2026 compared with the same period last year. 📈

But before you convert, as I explain to Erin Kennedy, there are some important situations to consider. You may want to think twice if:

💵 You can’t pay the tax bill with cash (especially if you're under 59.5) 

📊 You’re still working and in a high tax bracket

🏥 You’re approaching Medicare and a conversion could trigger an IRMAA surcharge

❤️ You’re charitably minded and a Qualified Charitable Distribution (QCD) may provide a better tax benefit

In this interview, I break down these potential Roth conversion pitfalls, and why the right strategy depends on your income, age, tax bracket, and overall retirement plan. Before making a decision, just text or call me at 830-476-2505, or book a free chat.