Swad Wealth Management

Roth conversions can be a brilliant way to lower your future tax bill… or a costly misstep.

Here’s when they usually make the most sense:
✅ You expect to be in the same or higher tax bracket later in retirement
✅ You can pay the taxes using non-retirement funds (with exceptions)
✅ You’re giving the Roth years to grow tax-free

Here’s when they may backfire:
⚠️ You accidentally push yourself into a higher tax bracket than what you expect to be in when you need the money
⚠️ You lose valuable tax credits or unknowingly bump up your healthcare premiums
⚠️ You don’t have cash set aside to pay the conversion taxes

Want to know if a Roth conversion is a smart move for you? Start by comparing your current and future tax picture. Or reach out—I help clients weigh these decisions every day.



This post is for general educational purposes only and should not be considered personalized financial advice. Every individual’s situation is unique, and Roth conversions—like all tax strategies—come with important exceptions and potential consequences. Please consult with a qualified financial advisor or tax professional before making decisions based on this information.

Is Social Security really going to run out of money?

That’s one of the biggest myths I hear and it's simply not true.

If Congress does nothing, the trust fund may run out around 2034, but the system is still projected to pay ~80% of scheduled benefits from incoming payroll taxes.

That’s a cut, yes—but not a collapse.

More likely? Congress acts before that happens. Just like they’ve done in the past.

🔧 Fixes could include:
– Raising or removing the wage cap
– Gradually increasing the full retirement age
– Increasing payroll tax
– Tweaks to cost-of-living formulas

In the end, people already retired or close to it probably won’t see big changes.