When it comes to a Roth conversion, the amount matters. Should you convert $25,000, $50,000, $100,000—or could converting too much at once create a bigger tax impact than you expected?
In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich unpack one of the biggest questions surrounding Roth conversions: how much should you actually convert? The answer isn’t as simple as picking a number. A conversion can affect your taxable income, Medicare premiums, and the amount of cash you’ll need to cover the tax bill. And with Social Security, future RMDs, investments, and other income all entering the picture, a conversion that looks good today may have ripple effects tomorrow. You’ll hear why sometimes smaller conversions over several years can make more sense—and why every year deserves a fresh look.
You’ll discover:
-
What determines your Roth conversion amount
-
How conversions can impact taxes and Medicare
-
Why timing and other income matter
-
How Social Security and future RMDs factor in
-
Why more isn’t always better
Before making a Roth conversion, know what could make your amount too little, too much, or worth reconsidering.
Date Recorded: 9/10/26
Savvy Women Wealth Management is an SEC Registered Investment Advisor
The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.