The Exact Income Bracket You SHOULD Stop Converting to Roth at $3M+

Want to get in touch? You can book a call with me using this link: https://meetings-na2.hubspot.com/stev... -------- In this video, I walk through exactly where Roth conversion math stops working in your favor at the $3 million plus level, and why most households at this asset level keep converting past the point where every additional dollar costs more in current taxes than it saves in future ones. I cover the actual math that defines the stopping point, why the projected future marginal rate on RMD income is the number you're comparing your current conversion rate against, and why for most $3 million plus households that line typically falls somewhere at the top of the 24% federal bracket. I also walk through what happens when you convert past it, how to identify your personal stopping point based on your specific portfolio, state, Social Security picture, and charitable intent, and what executing on that ceiling actually looks like year to year. If you've been running an aggressive conversion strategy and nobody has ever walked you through where to stop, this video will show you exactly where the math turns negative and what to do about it.