Ryan Sterling

speaker

807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.

newest first · ▶ plays the moment

Correct.

You know, over the next three years, and I would work with your advisor on this to see, you know, what does it make sense in terms of converting?

There's a chance you could convert most of this to the Roth, but let's say you can't convert all of it to the Roth.

That's fine.

You would start the RMDs with the IRA, and then ultimately kind of exhaust that first, and then you would move on to your Roth IRA.

So your Roth IRA is something that you probably

wouldn't potentially touch until your eighties or or beyond.

But when you do take that out in the future, you're not going to be taxed on it.

One potential issue could be though, working at 73 and then having to take out a certain amount from your IRA.

That's where you don't have a lot of choice.

What I would look into and I would run the analysis to kind of stack your income to say, you know, what's the marginal bracket that I'm in right now?

Okay.

See what capacity do I have to do Roth conversions before bumping into the next bracket and compare that to

What would that look like if I did nothing and had to take it out at seventy three?

That's what I'm saying with the three years is you have three years until the RMD.

So you have this window that you can do it before you're required to take it out.

It's one of those things where

I have yet to come across a client who regrets working another year or so longer.

So I would say that working just one more year.

Showing 361–380 of 807 · page 19 of 41