Tyler Gardner

speaker

5,337 appearances 12 recordings 1 series first heard Jun 2026 last heard 21 Sep

Tyler Gardner’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 12 in all, peaking in Aug 2026 with 5.

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Your Money Guide on the Side · The $250,000 Mistake Most Retirees Never Know They Made · 3 Aug 2026 podcast

A Roth conversion in this environment is essentially the financial equivalent of locking in today's mortgage rate when you think rates are going to rise. voice-verified

You're prepaying at a rate you can see for an obligation you'll have to pay at a future rate that you can't see. voice-verified

Reason three is the one very few people talk about, but we did in the last episode, the bracket fill effect. voice-verified

If you're already going to be in the 12% bracket this year because of other income, you have a fixed amount of unused capacity in that bracket. voice-verified

The difference between your taxable income and the top of the bracket, and that's roughly $100,000 for a couple in 2026. voice-verified

That unused capacity is, in a sense, worthless unless you use it. voice-verified

The IRS does not let you carry forward your 12% bracket capacity into the next year, use it or lose it. voice-verified

A Roth conversion is the most efficient way to use it. voice-verified

You convert exactly enough traditional dollars into Roth dollars to fill the 12% bracket to the top. voice-verified

You pay 12% on those converted dollars, a rate you might never see again, and you move them permanently out of this wrapped tax bomb and into the never taxed again Roth. voice-verified

The combined effect of these three reasons is staggering. voice-verified

A couple converting $40,000 to $60,000 a year during the eight-year window between retirement and RMDs can move $320,000 to $480,000 of traditional IRA money into a Roth at an average tax rate of 12%, where it will never be taxed again. voice-verified

The same money sitting in the traditional IRA until forced out by RMDs and tapped during a 22% or 24% bracket year would have been taxed potentially at double the rate. voice-verified

That's a lifetime tax savings of $35,000 to $60,000 for the work of filling out one form per year, genuinely the highest hourly rate available to retirees in the legal tax planning universe. voice-verified

Part three, how to actually execute a Roth conversion. voice-verified

The five things you've got to know. voice-verified

I included this following action list because my guess is you've already heard, hey, you should take advantage of Roth conversions. voice-verified

My guess is you haven't heard as frequently how to actually do them and the steps you need to take. voice-verified

But good news, the actual mechanics are simpler than the financial industry makes them sound. voice-verified

And surprise, that's because as always, complexity sells and they'd like to charge you 1% of your assets to do this stuff for you. voice-verified

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