I'm 60 with $2M. Should I Prioritize Roth Conversions or Healthcare Subsidies?

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

Ari Taublieb, MBA is the Vice President of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients navigate the nuances of an early retirement (non-traditional retirement).
-> Create Your Custom Strategy To Retire Early
-> Free E-Book: A Complete Guide To An Early Retirement
-> NEW eBook: Health Insurance For An Early Retirement
Imagine having control over your income after retirement, and making tax planning decisions that can save you hundreds of thousands of dollars. Suppose you have two to five million in pre-tax assets, and you're stuck between making Roth conversions and qualifying for health insurance subsidies - we've got a solution for you! In a journey through the world of taxes and retirement, we outline how to better navigate this often confusing landscape, illustrating the benefits and obstacles of each decision. We share a unique framework that helps you think through these critical decisions and make choices that are beneficial to your financial security.
What's even better? We have a special review from a listener that unveils the true value of our podcast. It's our mission to help a million people retire early, with confidence. Let's talk about the tax-planning window when your income is low after retirement, and discuss how you can take advantage of this. Walk with us through the life of a retiree with an IRA, Roth, and brokerage account as we weigh the option between keeping income low and making Roth conversions. Lastly, we dissect the benefits and hurdles of Roth conversions and health insurance premiums. So, tune in, and let's take control of your financial future together.
*There is no 400% FPL income cliff for Roth conversions. This means that you can convert as much money as you want to a Roth IRA, regardless of your income, as long as you meet the other eligibility requirements.

The 400% FPL income cliff is a rule that applies to traditional IRA contributions. It limits the amount of money that you can contribute to a traditional IRA if your income exceeds 400% of the federal poverty level (FPL).

Create Your Custom Early Retirement Strategy Here

Ari Taublieb, CFP ®, MBA is the Vice President of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients navigate the nuances of an early retirement.

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PS: Before anyone decides to move forward with our services, I want to ensure we're the best fit to help you reach your goals and I personally have the first conversation with you.