The Roth Conversion Sweet Spot

Is there really a “perfect” age to convert retirement dollars? Or is that the wrong question entirely?
In this episode, Ryan Herbert & Lawrence Kiely break down the often-misunderstood idea of Roth conversion “sweet spots” and why timing alone doesn’t equal strategy. They discuss how tax brackets, Medicare IRMAA, account balances, and life events all shape conversion decisions. The conversation highlights the risks of picking arbitrary numbers, relying on advice in isolation, or only thinking about taxes once a year. Instead, the focus is on coordination, context, and building a plan that adjusts as income, retirement timing, and cash flow change.

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