Traditional IRAs and 401(k)s are built on pre-tax dollars — which means a portion of that balance belongs to the IRS, and at age 73, they begin collecting through Required Minimum Distributions.
For retirees with large pre-tax accounts, RMDs can push income into higher tax brackets and trigger unexpected Medicare premium surcharges. But the years between retirement and age 73 often represent a low-income window — and one of the most valuable planning opportunities available.
This video explains how Roth conversions during that window can allow you to pay taxes at potentially lower rates, on your own terms, rather than on the IRS’s schedule.
Follow Wealthwyzr for more frameworks on retirement income, tax strategy, and long-term financial clarity.
📌 This video is for educational purposes only and does not constitute personalized financial advice. All investment strategies involve risk. Please consult a qualified financial professional regarding your individual circumstances.
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#RothConversion #RMDPlanning #RetirementTaxStrategy #RetirementIncomePlanning #WealthManagement
👋 About Wealthwyzr
I’m Avanti Shetye, CFA, CFP®, a fee-only financial planner featured
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I help high-earning professionals, pre-retirees, and retirees build
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⚠️ Disclaimer:
This content is for informational and educational purposes only and
should not be considered investment, tax, or financial advice. Past
performance is not indicative of future results. All examples are
hypothetical and do not represent specific clients or outcomes.
Please consult a qualified financial planner or tax professional
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