When Roth Conversions Don’t Make Sense

Roth conversions are one of the most popular strategies in retirement planning. But they're not always the right move.

In some situations, a Roth conversion can actually increase your tax bill, trigger higher Medicare premiums, and reduce long-term efficiency.

In this video, Andrew Rafal, Founder of Bayntree Wealth Advisors, walks through when Roth conversions don’t make sense, and how to think about them more strategically.

What You’ll Learn in This Video

✔️ When your future tax bracket may be the same or lower than today

✔️ Why paying Roth conversion taxes from your IRA can reduce long-term benefits

✔️ How Roth conversions can increase Medicare IRMAA premiums

✔️ When leaving pre-tax assets to charity may be more tax-efficient

✔️ Why Roth conversions should be treated as a precision strategy, not a default move

✅ Take the 1-minute Retirement Readiness Assessment

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