He claims that Roth conversions are not a necessity for financial success in retirement, but rather a potentially beneficial strategy.

“So, they're not a need, they're a benefit potentially. And by the way, with serving clients as a financial planner, not accepting new clients, so not a way to market my practice here, but I'll say working with financial planning clients, I would say that most of the retirees I work with are doing Ro”

He believes that taxable Roth conversions are generally discouraged for individuals who are currently employed.

“One thing that's really interesting is, if you have a job, that's usually a really good indicator you should not be doing taxable Roth conversions.”