# Roth Conversion Strategies: Should You Convert or Keep Your IRA?

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Text version: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/roth-conversion-strategies-should-you-convert-or-keep-your-ira.md
Podcast: [Money Matters by Allworth Financial](https://stenobird.com/podcast/money-matters-by-allworth-financial-173477)
Published: 2026-06-13T13:00:00+00:00
Episode link: http://podcast.moneymatters.com/e/roth-conversion-strategies-should-you-convert-or-keep-your-ira/
Audio file: https://mcdn.podbean.com/mf/web/a8a3ysbnqdwrdd55/AWMM_2026613_PODCAST6udxj.mp3
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JSON: https://stenobird.com/v1/public/podcasts/money-matters-by-allworth-financial-173477/episodes/roth-conversion-strategies-should-you-convert-or-keep-your-ira
Duration seconds: 3064

## Resource

When does a Roth Conversion make sense—and when could it be a costly mistake? In this episode of Money Matters, Scott and Pat tackle one of the most common retirement planning questions: whether a Roth Conversion is the right move for your financial future. They break down a real-life caller’s situation involving IRAs, pensions, charitable giving, required minimum distributions (RMDs), and the tax implications of converting retirement assets. The show also features an emotional conversation with Laura, a member of the “sandwich generation” who is balancing retirement planning while supporting aging parents and a special-needs child. Scott and Pat discuss pension decisions, reverse mortgages, life insurance needs, and how to navigate competing financial priorities without sacrificing long-term security. Plus, they explore tax-efficient investing strategies, asset location, charitable giving through donor-advised funds, and why taxes may be one of the biggest threats to your retirement wealth. If you've ever wondered whether a Roth Conversion belongs in your retirement plan, this episode is packed with practical insights. What You’ll Learn: -Roth Conversions & Retirement Tax Planning -Tax-Efficient Investing Strategies -Retirement Planning for the Sandwich Generation -Reverse Mortgages & Aging Parent Care -Charitable Giving, RMDs & Retirement Income Planning Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

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## Transcript

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