A listener says, “Eventually, one spouse will pass before the other, which will often catapult the survivor into a significantly higher tax bracket. Shouldn’t a Roth strategy take this into account?” James explores several factors that could positively and negatively impact a survivor’s tax liability and what to consider when creating a Roth conversion strategy. Questions Answered: How can Roth conversions benefit married couples beyond tax savings?What factors should be considered when determining the optimal strategy for Roth conversions to protect a surviving spouse?Timestamps:0:00 - Steve’s question3:40 - An example6:41 - 3 changes12:32 - Positive impacts15:22 - RMD calculations16:45 - Widows tax penalty19:46 - When to do Roth conversions23:40 - Big age gap28:45 - Start with a good reason29:57 - The bottom line
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