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

You report the conversion as ordinary income on your own return. voice-verified

Large conversions may require a quarterly estimated payment to avoid an underpayment penalty. voice-verified

Your CPA will or should flag this, just don't be surprised. voice-verified

Step five, each conversion starts its own five-year clock. voice-verified

You generally can't withdraw the converted amount without penalty for five years, even if you're over 59 and a half. voice-verified

So track each conversion year separately, and it's usually in our best interest to start early and do this annually to create a type of ladder system. voice-verified

That's the playbook. voice-verified

One button, one tax bill, one five-year clock per conversion. voice-verified

The conversion takes three minutes. voice-verified

The strategy, which bracket to fill, how much to convert, what year, that's where the effort comes in. voice-verified

Part four, the math of bracket filling made all too visible. voice-verified

Bear with me because I want to do an actual numerical example with you this week, because abstract talk about brackets and conversions is the kind of thing that washes over people. voice-verified

So let me show you what this looks like in real numbers. voice-verified

We've got a couple, married filing jointly, both 66 years old. voice-verified

Retired, sources of income for the year are as follows. voice-verified

Combined Social Security? voice-verified

Roughly $48,000, of which roughly 85% is taxable at the federal level. voice-verified

Pension or other taxable income? voice-verified

Zero. voice-verified

Interest from cash positions? voice-verified

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