Many retirees hesitate to do Roth conversions because they believe the savings are only a couple of percentage points. But is that really the full story? In this episode of Joe Knows Retirement, Joe explains why focusing only on today's tax bracket can lead to costly mistakes later. If you have a pension, $1 million or more saved, or expect Required Minimum Distributions (RMDs), the true benefit of Roth conversions goes far beyond a simple 2% tax difference.

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