Roth Conversions Before Year-End: What Federal Retirees Should Consider

Could paying taxes on some retirement savings today help you manage future tax bills? In this episode of Rayna Retirement, Rayna Reyes explores why federal and postal retirees may want to consider Roth conversions—and why the end of the year can be a useful time to revisit that decision.

Rayna explains how smaller conversions over several years may help reduce future required minimum distributions, why similar take-home pay doesn’t necessarily mean similar taxable income, and how unexpected expenses can affect your conversion plans. She also discusses the importance of planning for the tax bill and considering how retirement income may affect Medicare premiums.

Whether you’re approaching retirement or already drawing from your savings, this conversation offers questions to discuss with your financial professional and tax advisor before making a move.

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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.