{"podcast":{"title":"Money & Taxes from Bb to XYZ","slug":"money-taxes-from-bb-to-xyz-6228444","podcast_index_feed_id":6228444,"rss_url":"https://feeds.captivate.fm/money-taxes-bb-xyz/","website_url":"https://money-taxes-bb-xyz.captivate.fm","image_url":"https://artwork.captivate.fm/2f363afe-d97f-40b0-bfab-3798135e8731/Unf_cuzG4xUmK-kba1QM4ECR.png","author":"Financial Planning Fort Collins","episode_count":93,"summary":"Money & Taxes from Bb to XYZ is the personal finance podcast for baby boomers as well as those in generations X, Y, and Z. Real financial planners break down a single money topic in each episode — and leave you with actionable takeaways at the end.","last_synced_at":"2026-09-17T22:17:26.038176+00:00","page_url":"https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444"},"episode":{"title":"To Do or Not To Do a Roth Conversion?","slug":"to-do-or-not-to-do-a-roth-conversion","published_at":"2025-12-11T10:00:00+00:00","page_url":"https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444/to-do-or-not-to-do-a-roth-conversion","show_page_url":"https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444","url":"https://www.financialplanningfortcollins.com//to-do-or-not-to-do-a-roth-conversion","audio_url":"https://episodes.captivate.fm/episode/31d67723-b949-4dfc-a522-0395aa509578.mp3","summary":"It’s getting close to year-end, and Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, are here to explain what Roth IRA conversions are, why they can be a powerful long-term tax-planning tool, and when they make the most sense. They’ll walk through situations where converting traditional IRA funds to a Roth IRA can reduce lifetime taxes — especially when current tax rates are low or future required minimum distributions (RMDs) might push someone into higher brackets. They also outline the practical steps for completing a conversion, emphasize the importance of having cash available to pay the tax bill, and highlight red flags that may mean a conversion isn't appropriate. Takeaways A Roth conversion is essentially a bet that your tax rate today is lower than it will be in the future. Early conversions may help reduce future RMD-related taxes and create more tax-free growth over time. It’s a best practice to have cash available to pay the taxes on a conversion, ideally without withholding from the converted amount. Conversions work best when you don't need the money for at least five years and expect long-term benefits. Red flags include a lack of cash for paying the taxes on a conversion, no reason to expect higher future tax rates, or needing the funds soon. Have a tax question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It ma…","meta_description":"It’s getting close to year-end, and Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, are here to explain what Roth IRA conversions are, why they…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1183,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/money-taxes-from-bb-to-xyz-6228444/episodes/to-do-or-not-to-do-a-roth-conversion/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444/to-do-or-not-to-do-a-roth-conversion.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}