Volume 16: The Lockshield Letter
Mar 31, 2026
Episode 6: Roth Conversions
A Guide for Roth Conversions
Episode Description
In this episode, we break down Roth conversions and explain why they can be such a powerful planning tool. We start with the basics—what makes Roth money tax-free in retirement, how pretax dollars work, and why converting means choosing to pay taxes now instead of later. From there, we walk through how a Roth conversion actually happens.
We also cover strategic timing: when it makes sense to convert, why lower-income years and lower tax brackets can be ideal, and how bear markets can create unique opportunities to convert more shares with the hope of future tax-free growth.
Finally, we zoom out to the bigger picture—how Roth conversions can play a key role in estate planning and help pass on money to heirs in a more tax-efficient way. If you’ve ever wondered whether a Roth conversion could make sense for you, this episode gives you the clarity to start thinking strategically.
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