{"id":197178,"date":"2023-10-04T11:30:00","date_gmt":"2023-10-04T15:30:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/?p=197178"},"modified":"2023-10-04T13:48:35","modified_gmt":"2023-10-04T17:48:35","slug":"roth-conversions-what-investors-need-to-know","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/podcasts\/contributor-podcasts\/roth-conversions-what-investors-need-to-know\/","title":{"rendered":"Roth Conversions | What Investors Need to Know"},"content":{"rendered":"\n<p>In this episode, we are joined by Sunpointe\u2019s Ben Tuscai to take a deep dive into Roth conversions. We discuss the criteria that investors can use to determine when the make sense and why they aren\u2019t used in the real world as often as you might think. We also discuss back door Roth conversions, mega back door Roth conversions, conversions inside employer plans and a lot more.<\/p>\n\n\n\n<p><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-education-of-a-financial-planner\/id1670513515\" target=\"_blank\" rel=\"noreferrer noopener\">Listen on Apple<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/open.spotify.com\/show\/1gq3okDGRwCha1vgdCFlbQ\" target=\"_blank\" rel=\"noreferrer noopener\">Listen on Spotify<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg\" target=\"_blank\" rel=\"noreferrer noopener\">Watch on YouTube<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=138s\" target=\"_blank\" rel=\"noreferrer noopener\">02:18<\/a>&nbsp;\u2013 The major criteria that determines if Roth conversions are appropriate<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=405s\" target=\"_blank\" rel=\"noreferrer noopener\">06:45<\/a>&nbsp;\u2013 Roth conversions are rarer than you think<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=502s\" target=\"_blank\" rel=\"noreferrer noopener\">08:22<\/a>&nbsp;\u2013 The importance of phase transitions<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=726s\" target=\"_blank\" rel=\"noreferrer noopener\">12:06<\/a>&nbsp;\u2013 Other considerations beyond taxes in Roth conversions<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=884s\" target=\"_blank\" rel=\"noreferrer noopener\">14:44<\/a>&nbsp;\u2013 Roth conversion scenarios<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=967s\" target=\"_blank\" rel=\"noreferrer noopener\">16:07<\/a>&nbsp;\u2013 The five-year rule<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=1023s\" target=\"_blank\" rel=\"noreferrer noopener\">17:03<\/a>&nbsp;\u2013 The timing of Roth conversions<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=1215s\" target=\"_blank\" rel=\"noreferrer noopener\">20:15<\/a>&nbsp;\u2013 The mix between Roth IRA, traditional IRA and taxable money<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=1387s\" target=\"_blank\" rel=\"noreferrer noopener\">23:07<\/a>&nbsp;\u2013 Roth 401ks and conversions in employer plans<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=1772s\" target=\"_blank\" rel=\"noreferrer noopener\">29:32<\/a>&nbsp;\u2013 The back door Roth conversion<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=2049s\" target=\"_blank\" rel=\"noreferrer noopener\">34:09<\/a>&nbsp;\u2013 The mega back door Roth conversion<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=2243s\" target=\"_blank\" rel=\"noreferrer noopener\">37:23<\/a>&nbsp;\u2013 Potential future tax legislation<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=2280s\" target=\"_blank\" rel=\"noreferrer noopener\">38:00<\/a>&nbsp;\u2013 Roth recharacterizations<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=2435s\" target=\"_blank\" rel=\"noreferrer noopener\">40:35<\/a>&nbsp;\u2013 The importance of asset location<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=sMcTJ__dJUg&amp;t=2661s\" target=\"_blank\" rel=\"noreferrer noopener\">44:21<\/a>&nbsp;\u2013 The history of the Roth IRA<\/li>\n<\/ul>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>Originally Posted October 2, 2023 &#8211; <a href=\"https:\/\/blog.validea.com\/roth-conversions-what-investors-need-to-know\/\">Roth Conversions | What Investors Need to Know<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this episode, we are joined by Sunpointe\u2019s Ben Tuscai to take a deep dive into Roth conversions.<\/p>\n","protected":false},"author":186,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[455,6,13857,8,178,9,26,3],"tags":[460,715,3041],"contributors-categories":[13819],"class_list":{"0":"post-197178","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-contributor-podcasts","7":"category-north-america","8":"category-podcasts","9":"category-region","10":"category-retirement","11":"category-securities","12":"category-text-articles","13":"category-traders-insight","14":"tag-podcast","15":"tag-retirement","16":"tag-roth-ira","17":"contributors-categories-validea-capital-management"},"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.3) - 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