Too Much 401k Money? The $3M Roth Conversion Problem - 579

About this episode

The episode discusses Roth conversion strategies for individuals with significant pre-tax accounts and considerations for early retirement.

Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcast 579 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Brian in New York and "Todd and Margo" in Utah each have over $3 million in their pre-tax accounts. What should their Roth conversion strategies look like, and can Todd retire this year? But first up, should "Captain Morgan" go Roth to avoid RMDs and can he retire in a couple of years? Should "Klo Jopine" contribute to Roth instead of traditional if his income will always remain the same? Finally, Kyle and Katie have high incomes and need a spitball on how they can avoid future RMDs. Ya think Roth conversions might be in their future? We'll find out. Free Financial Resources in This Episode: https://bit.ly/ymyw-579 (full show notes & episode transcript) LIMITED TIME SPECIAL OFFER: THE DIY RETIREMENT GUIDE - download before the Special Offer changes on Friday, May 1, 2026…

People in this episode

Hosts: Joe Anderson, Alan Clopine

Topics covered

• Roth conversion
• 401k strategies
• retirement planning
• required minimum distributions
• early retirement
• financial resources

Keywords

• Roth conversion
• 401k
• retirement
• minimum distributions
• financial planning
• high income

Mentioned in this episode

Organizations: Pure Financial Advisors

Places: New York, Utah

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