Should You Roth? Making the Right Call at the Right Time
Description
Not all Roth dollars are created equal—especially during times of market volatility.
In this episode, Tyler Emrick, CFA®, CFP®, unpacks when Roth contributions, conversions, or pretax savings make the most sense, and how recent market declines may present timely Roth conversion opportunities.
You'll learn how to be strategic with what assets you convert, when conversions might come with risks, and how tools like the mega backdoor Roth can help high earners build tax-free wealth. Whether you're retiring early or just looking for more tax-efficient growth, this episode offers practical guidance for getting Roth right.
Here’s some of what we discuss in this episode:
🔄 Roth IRA vs. Roth 401(k) vs. Mega Backdoor Roth
📉 How market drops create conversion opportunities
💡 Using Roths strategically before Medicare or RMD age
🧾 Why tax bracket awareness is essential
🧠 Advanced strategies like asset location and timing
Have questions?
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