Navigating IRA Tax Traps & Powerful Roth Conversion Strategies | Episode 135
Update: 2025-07-18
Description
Join Brian J. Decker and Marc Knauss, CFP(R) on this week’s episode of Safer Retirement Radio as they uncover why your traditional IRA might be a tax “loan” to the IRS—and how smart Roth conversion planning can turn the tables in your favor. From real-world illustrations of IRA tax bills topping $1.4 million to step-by-step guidance on:
IRA Inefficiency: How deferral becomes a hefty tax liability for you —and your heirs
Roth Conversions: Why paying taxes now can yield tax-free growth and a far larger legacy
Medicare IRMAA: How distributions affect your Medicare premiums (and how to avoid spikes)
Advanced Strategies: QDRO “happy divorces,” donor-advised funds, dynasty trusts, cost-segregation for real estate, and more
Whether you’re retired or close to retirement, the right tax plan can boost your retirement income, protect against future rate hikes, and maximize what you pass on. Tune in and discover:
Real numbers: $1 million IRA → $1.4 million paid to the IRS vs. $319 000 with a Roth plan
When and how to convert for maximum impact
Estate-planning moves to shelter assets from both income and estate taxes
🔗 Resources & Links:
• Download “The Decker Approach to Retirement Planning”: https://deckerretirementplanning.com/
• Safer Retirement Education: https://deckerretirementplanning.com/education
• Schedule a no-cost tax analysis: 833-707-3030
IRA Inefficiency: How deferral becomes a hefty tax liability for you —and your heirs
Roth Conversions: Why paying taxes now can yield tax-free growth and a far larger legacy
Medicare IRMAA: How distributions affect your Medicare premiums (and how to avoid spikes)
Advanced Strategies: QDRO “happy divorces,” donor-advised funds, dynasty trusts, cost-segregation for real estate, and more
Whether you’re retired or close to retirement, the right tax plan can boost your retirement income, protect against future rate hikes, and maximize what you pass on. Tune in and discover:
Real numbers: $1 million IRA → $1.4 million paid to the IRS vs. $319 000 with a Roth plan
When and how to convert for maximum impact
Estate-planning moves to shelter assets from both income and estate taxes
🔗 Resources & Links:
• Download “The Decker Approach to Retirement Planning”: https://deckerretirementplanning.com/
• Safer Retirement Education: https://deckerretirementplanning.com/education
• Schedule a no-cost tax analysis: 833-707-3030
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