Uploaded January 2026 | Updated September 2026, 3 weeks ago
Test Your Plan!
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Roth conversions sound like a slam dunk, but this is exactly how people end up thinking they “lost money.” Today, we’re breaking down a real example where someone did a Roth conversion, saw their balance drop, and assumed the strategy failed; when in reality, they just forgot about the tax bill. I’ll explain what Roth conversions actually do, why they can work beautifully in the right situation, and the three biggest reasons they often don’t. You’ll see real tax projections, real retirement scenarios, and why timing, tax brackets, and personal comfort matter more than the strategy itself. And if you stick around to the end, I’ll show you how to test Roth conversions for yourself using the same software I use with clients; so you can see the math before making a costly mistake.
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#retirement #taxes #invest
RB Wealth Partner and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information is not intended to be a substitute for specific individualized tax or legal advice.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. This is a hypothetical example and is not representative of any specific investment. Your results may vary.
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
Test Your Plan!
app.rightcapital.com/account/sign-up?referral=5TLzjBFuqIz2H-rA37SpWg&type=client
Schedule a consultation with Rob oncehub.com/rbwealth_YT
Roth conversions sound like a slam dunk, but this is exactly how people end up thinking they “lost money.” Today, we’re breaking down a real example where someone did a Roth conversion, saw their balance drop, and assumed the strategy failed; when in reality, they just forgot about the tax bill. I’ll explain what Roth conversions actually do, why they can work beautifully in the right situation, and the three biggest reasons they often don’t. You’ll see real tax projections, real retirement scenarios, and why timing, tax brackets, and personal comfort matter more than the strategy itself. And if you stick around to the end, I’ll show you how to test Roth conversions for yourself using the same software I use with clients; so you can see the math before making a costly mistake.
🔔 DON'T FORGET TO SUBSCRIBE to catch our latest retirement strategies
🧑💻 Check our library of free guides - wealthrb.com/financial-guides
🔗 Follow us on Social Media
Instagram instagram.com/rb_cfp
LinkedIn linkedin.com/in/bacharachwealth
Twitter "X" https://x.com/wealthRB
#retirement #taxes #invest
RB Wealth Partner and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information is not intended to be a substitute for specific individualized tax or legal advice.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. This is a hypothetical example and is not representative of any specific investment. Your results may vary.
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
