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 · last 12 months

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

Appearances

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

End rant for now. voice-verified

Step one, call your custodian directly. voice-verified

If your IRA is at Fidelity, Vanguard, or Schwab, log in and search Roth conversion. voice-verified

There's literally a button. voice-verified

The custodian moves the money internally from your traditional IRA to your Roth IRA. voice-verified

No IRS form, no third party, done in one to three business days. voice-verified

Step two, if it were me, I would have both accounts in the same custodian first. voice-verified

If your traditional IRA is at Vanguard and your Roth is at Schwab, you'll be coordinating a cross-institution transfer that could take weeks. voice-verified

But if it's same roof, it's the same week. voice-verified

So for me, I would consolidate before I started converting. voice-verified

And I would consolidate before I retired in the first place. voice-verified

Step three. voice-verified

And again, this is not advice, but you really should look into this. voice-verified

Do not have taxes withheld from the conversion. voice-verified

This is the single biggest mechanical mistake I see many people make. voice-verified

Any dollar withheld goes to the IRS and never makes it into the Roth. voice-verified

So if you can, pay the tax separately out of your taxable account or savings so you can keep the full conversion amount inside the Roth. voice-verified

why is this so important because remember there are annual limits throughout your life to roth contributions but there are not annual limits to roth conversions so you want to fund that baby with every additional dollar you can voice-verified

Step four, the tax bill arrives in April, plan for it. voice-verified

The custodian will then issue a 1099-R at year end. voice-verified

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