Roth Conversions Done Right: What Great Advisors Know That Software Doesn’t

In this episode of Root Ready, James shares how advisors should think about Roth conversions—starting with the basics and not just relying on software.

Software can help with numbers, but it can’t see the full picture. James explains why Root advisors use software as a tool, not the final answer.

He talks through key things to consider before doing a Roth conversion, like future tax brackets, RMDs, charitable giving, and income thresholds. You’ll also hear why Roth conversions are more like “tax insurance” than a perfect plan.

If you want to better understand when—and when not—to recommend Roth conversions, this episode is for you.

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Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.

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Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results.

Any opinions expressed are as of the date of recording and are subject to change.

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