8 Advanced Reasons to Roth or Not: RMDs, Inheritance, and Social Security | The Guided Path S2E2
For important disclosures, visit: https://www.capitafinancialnetwork.co... 📊 Think you've got Roth vs. Traditional figured out? Think again. In this deep-dive follow-up to the Season 2 premiere, Zacc and Tyson explore the advanced side of Roth decision-making. From required minimum distributions and inheritance tax mismatches to the hidden costs of Medicare (IRMAA) and surprising Social Security tax dynamics—this episode equips you with the high-level frameworks most investors never even hear about. *Updated numbers for the chart around 4 minutes 50 seconds 73 = 3.77% 74 = 3.92% 75 = 4.07% 80 = 4.95% 90 = 8.20% Discover why sometimes not converting to Roth is the smart move, how phase-outs and AGI limits could quietly cost you, and the hilarious (yet sobering) analogy of retirees as “zebras hiding in the herd.” 📈 You’ll walk away with the tools to think years ahead, make tax-efficient decisions now, and avoid common pitfalls that could derail a retirement plan. For more information about Capita and additional educational resources, visit 👉 https://www.capitafinancialnetwork.com/ 0:00 - Introduction 4:23 - Required Minimum Distribution Management 7:04 - Inheritance 10:35 - Government Debt Might Drive Up Taxes 13:39 - IRMAA Penalties 16:06 - Phase-Outs and AGI Limits 17:41 - Reducing or Eliminating Social Security Taxation 22:36 - Advanced Marginal Tax Bracket Management 24:26 - Straddling a Marginal Tax Bracket Line 📌 Subscribe to @ZaccMoneyEducation for financial education that’s smart, clear, and practical. #rothconversion #TaxStrategy #RetirementPlanning #RMD #SocialSecurityTax #IRMAA #CapitaFinancial #ZaccCall #TheGuidedPath #InheritancePlanning #FinancialEducation
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