How much you need to retire quiz: ⁠https://bit.ly/Adam-Olson⁠

Roth conversions are powerful — but blindly converting everything can be one of the most expensive retirement mistakes I see.

In this episode, I break down why popular “convert it all now” Roth advice is built for clicks, not real retirement math. We’ll walk through the hidden tax traps most people miss, including:

When Roth conversions actually increase lifetime taxes
How Social Security timing changes the math completely
Why IRMAA Medicare penalties matter more than most realize
The difference between tax diversification and tax obsession

I’ll also share a real client example that shows how waiting — not rushing — saved tens of thousands in taxes and created more retirement flexibility.

If you’re in your late 50s or early 60s and thinking about Roth conversions, this episode will help you make intentional, strategic decisions instead of following generic internet advice.

👉 Want to see how this applies to your situation? Click the link and take my How Much You Need to Retire Quiz, and I’ll personally send you an analysis using my Red Zone Retirement Planning Process.

How much you need to retire quiz: https://bit.ly/Adam-Olson

Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Why I Stopped Listening to “Convert Everything to Roth Now” Advice