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Today on Your Money, Your Wealth® podcast 495, Joe Anderson, CFP® and Big Al Clopine CPA spitball on three different listeners’ strategies for paying the tax on a Roth conversion now, to have lifetime tax-free growth on that money in the future.

00:00 - Intro
01:02 - Timing of Roth Conversions and Paying Quarterly Estimated Taxes (Neo, San Clemente, CA)
06:37 - Is Using Health Savings Account (HSA) Reimbursement to Pay Roth Conversion Taxes a Good Strategy? (Tim, MN)
08:44 - Complete Roth Papers Package - free download. Financial Blueprint - free retirement analysis
09:39 - How Is Our Plan to Convert to Roth and Pay the Tax With IRA Money? (Samantha, No CA)
19:15 - What Happens to Your 401(k) & IRA at Retirement? Watch YMYW TV, download the Retirement Readiness Guide
20:01 - RMDs for Roth Accounts: Clarification for Solo 401(k) (Andy, YouTube)
21:43 - Joe and Al walk into a bar… (Tony, YouTube)
22:44 - Any Reason to Put Withdrawals in Brokerage Instead of Roth? (Globe Trotter, YouTube)
23:35 - How to Decide Between Pension Options? (Frank, YouTube)
25:40 - Is a Pension Annuity a Bad Thing? (Invictus, YouTube)
26:47 - Are Single Premium Immediate Annuities (SPIA) the Best Annuity for Lifetime Income? (1212482970, Spotify)
29:23 - Outro
30:58 - The Derails

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.
• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. As rules and regulations change, content may become outdated.
• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.

#RothConversion #TaxPlanning #RetirementSpitball