The Hidden Cost Inside Good Roth Advice

Wondering if your advisor is missing something? Let's talk https://apellawealth.zoom.us/zbook/in... Filling up the 24% tax bracket is common Roth conversion advice. But could a conversion that looks good on your tax return also raise your Medicare premiums two years later? Paul and Sam Marrella explain why Medicare IRMAA surcharges can change the math behind Roth conversions, and why avoiding those surcharges isn't always the best move. There's another part of the decision that becomes especially important for couples planning for retirement. Want to understand how Roth conversions fit into your retirement plan? Schedule a conversation with Apella Wealth using the link above. No pressure, just a chance to talk through the questions that matter to your family. ⏰ TIMESTAMPS / CHAPTERS 0:00 - The hidden cost of Roth conversion advice 1:02 - The Medicare rule that changes the math 3:19 - When paying more now may make sense 6:34 - The surprising opportunity in a high-income year 8:10 - The real rule for Roth conversions Connect with Apella Wealth: ▶️ WATCH NEXT:    • The Medicare Bill That's Priced Two Years ...   🔔 Subscribe for Family-Focused Financial Insights:    / @investingistheeasypart   🌐 Visit Our Website: https://apellawealth.com DISCLAIMER: This video is for educational purposes only and is not intended as financial, legal, or tax advice. The information is for a general audience and does not consider your individual circumstances. Please consult with a qualified professional before making any financial decisions. 🤔 ABOUT INVESTING IS THE EASY PART 🤔 Building your wealth was the first step. Making it last is the real challenge. This channel helps you lead your family's financial future with the actionable strategies smart families use in the critical years before and after retirement. We explore advanced tax strategies, creating durable retirement income, designing an estate plan with trusts, and implementing asset protection to shield your wealth. Our goal is to give you confidence to build a financial legacy that lasts for your spouse, heirs, and generations to come. Guidance from Paul Marrella CFP® & Sam Marrella CFP® - Apella Wealth. LEGAL DISCLOSURES Apella Capital, LLC ("Apella"), DBA Apella Wealth is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered or excluded or exempt from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Apella Wealth provides this communication as a matter of general information. Any data or statistics quoted are from sources believed to be reliable but cannot be guaranteed or warranted. Investing involves risk, including the potential loss of principal. For more information about our firm and advisors, please visit https://apellawealth.com/regulatory-i... #PaulMarrella #SamMarrella #InvestingIsTheEasyPart