You've worked hard. You've saved diligently. But retirement is a whole different game.
A Roth conversion means paying tax now so you get tax-free growth and more flexibility later. In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, covers what a conversion really costs, including the tax bill, higher brackets and Medicare IRMAA surcharges. He also explains why a series of smaller conversions spread over several years often works better than converting a large amount at once.
The Retirement Income & Strategy Podcast is for successful professionals who are approaching retirement or already there—and want real confidence that their money will last.
Each episode cuts through the complexity and gives you practical guidance you can actually use. No jargon. No product pitches. Just clear thinking about retirement income, taxes, investments, and how those pieces work together.
Whether you're quietly wondering if you're doing the right things with your money in retirement, or looking for a better way to structure your plan, you're in the right place.
New episodes released weekly. Have a question? Email tom@hiveretirement.com.