Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
So You’ve Decided To Do A Roth Conversion… Now What?
15 minutes Posted Jun 4, 2026 at 9:11 am.
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So you’ve decided to do a Roth conversion… now what?
Most Roth conversion conversations focus on whether you should do one. But the long-term value often comes from how the strategy is actually implemented.
In this episode, Tyler Emrick, CFA®, CFP® walks through the overlooked decisions that can materially impact the outcome of a Roth conversion strategy.
Topics include:
When to complete a Roth conversion
Whether to spread conversions throughout the year
Tax bracket management and conversion timing
Why recharacterizations no longer being available matters
How to pay Roth conversion taxes efficiently
Roth conversions before age 59½
Estimated tax payments and withholding strategies
Which investments may be best suited for Roth accounts
Why higher-growth investments are often prioritized inside Roth IRAs
Coordinating Roth conversions with investment management and rebalancing
Tyler also explains why many Roth conversion mistakes have less to do with the conversion itself — and more to do with poor timing, tax management, and implementation decisions.
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