6 Reasons NOT to Do a Roth Conversion

✅ Want to know if a Roth conversion actually makes sense for your retirement picture? Let's talk → https://calendly.com/mike-1764/introd... Everyone online is pushing Roth conversions right now. But there are 6 specific situations where converting could be the wrong move. Before any of the 6 reasons even matter, there's one question you have to answer honestly: will your tax rate in retirement actually be higher than it is today? Because a Roth conversion is a bet. And like any bet, it only pays off under the right conditions. In this video, I walk through all 6 reasons to pump the brakes, including the one that catches even careful planners off guard: When your current and future brackets are already in the same range How other income sources can quietly stack you into a higher bracket than you expected The Medicare surcharge cliff that a single dollar of conversion can trigger Why a shorter planning horizon can mean the math never catches up The one situation where keeping money in a traditional IRA beats a Roth every time Why market volatility and a large tax event in the same year is a risk worth naming out loud If you're somewhere in that 55 to 72 window and you've been hearing "convert aggressively" from every corner of the internet, this one is worth watching before you move a dollar. _ _ Timestamps: (PLEASE ADD TIMESTAMPS IN 00:00 FORMAT WHEN POSTING TO CREATE CHAPTERS) _ _ This content is for informational purposes only and should not be considered investment, tax, or legal advice. Past performance is not indicative of future results. All investments involve risk, including possible loss of principal. Ignite Financial is a registered investment adviser in the State of Iowa. Registration does not imply a certain level of skill or training. For personalized advice, please schedule a consultation. Ignite Financial is a financial advisor serving individuals and couples approaching or living in retirement.