Roth Conversions: Smart Strategy or Tax Trap?

What if one simple strategy could shrink your tax bill, reduce your RMDs, and give you more tax-free income in retirement?

In this video, Andrew Rafal, CEO & Founder of Bayntree Wealth Advisors, breaks down one of the most powerful retirement tax strategies available: using Roth conversions to reduce future taxes, avoid higher RMDs, and create tax-free income in retirement.

If you’re approaching retirement with most of your savings in a traditional IRA or 401(k), this is a must-watch. You’ll learn how converting portions of those accounts into a Roth IRA at the right time and in the right amount can help you take control of your tax bill for decades to come.

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What you’ll learn in this video:

✅ What a Roth conversion is (in simple terms)

✅ How Roth conversions help reduce future taxes

✅ Why shrinking your traditional IRA can lower Required Minimum Distributions (RMDs)

✅ How to build a bucket of tax-free retirement income

✅ Why many retirees use Roth conversions as a hedge against rising tax rates

✅ Common mistakes to avoid when considering a conversion

✅ Whether a Roth conversion might make sense for you