# Roth Conversion Ladder: Cut Taxes in Retirement Over 5 Years

Page: https://stenobird.com/podcast/1715-treasure-coast-financial-wellness-with-thomas-davies-5676635/roth-conversion-ladder-cut-taxes-in-retirement-over-5-years
Text version: https://stenobird.com/podcast/1715-treasure-coast-financial-wellness-with-thomas-davies-5676635/roth-conversion-ladder-cut-taxes-in-retirement-over-5-years.md
Podcast: [1715 Treasure Coast Financial Wellness with Thomas Davies](https://stenobird.com/podcast/1715-treasure-coast-financial-wellness-with-thomas-davies-5676635)
Published: 2026-07-06T15:00:00+00:00
Episode link: https://www.buzzsprout.com/2047761/episodes/19452560-roth-conversion-ladder-cut-taxes-in-retirement-over-5-years.mp3
Audio file: https://www.buzzsprout.com/2047761/episodes/19452560-roth-conversion-ladder-cut-taxes-in-retirement-over-5-years.mp3
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Duration seconds: 1573

## Resource

Send us Fan Mail What if the biggest tax bill of your retirement is completely avoidable? If you have $1 million or more sitting in a traditional IRA or 401(k), every dollar coming out will eventually be taxed as ordinary income. The real question is when you pay — and at what rate. In this episode, we break down the Roth conversion ladder strategy and how a disciplined five-year approach can dramatically reduce your tax burden in retirement. We cover how to sequence conversions, how to avoid...

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## Transcript

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