Roth Conversions vs Contributions: Which Matters More?

Most people think a tax-free retirement starts with Roth contributions. But there’s another Roth strategy that often matters more — and missing it can quietly increase your lifetime tax bill.

In this video, Andrew Rafal, founder of Bayntree Wealth Advisors, breaks down the real difference between Roth contributions and Roth conversions, and explains how to know which strategy you should prioritize based on your age, income, and proximity to retirement.

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In this video, you’ll learn:

✔️ When Roth contributions make the most sense

✔️ When Roth conversions can be more powerful

✔️ How Roth conversions can help you control future tax brackets

✔️ Why large IRAs can create future tax problems

✔️ How RMDs, Medicare premiums, and Social Security taxation fit into the decision

✔️ The biggest Roth conversion mistake to avoid