Planning Matters Radio | ⚠️ When a Roth conversion DOES NOT Make Sense

According to @Fidelity, Roth IRA conversions jumped 41% in the first quarter of 2026 compared with the same period last year. 📈 But before you convert, as @peter with @richonplanning exlplains to @erinkennedy, there are some important situations to consider. You may want to think twice if: 💵 You can't pay the tax bill with cash 📊 You're still working and in a high tax bracket 🏥 You're approaching Medicare and a conversion could trigger an IRMAA surcharge ❤️ You're charitably minded and a Qualified Charitable Distribution (QCD) may provide a better tax benefit In this interview, Peter breaks down these potential Roth conversion pitfalls—and why the right strategy depends on your income, age, tax bracket and overall retirement plan. Before making a decision, call 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.