I'm about to talk about all the different areas of analysis that go into figuring out whether or not Roth conversions might make sense for you in this, the 207th episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, social

security, Medicare, portfolio withdrawal strategies, annuities, estate planning, and much more.

And now here's your host, Andy Panko.

Hello, everyone. Welcome back. Thank you as well as for listening. So today is this month's

sort of deep dive topic, if you want to call it that.

And I will be sharing with you in an audio recap version of a recent presentation that I gave last month at a retirement planning conference where the title of the presentation is Roth conversion analysis colon more than meets the eye.

Now first of all, I don't know if colon is a proper punctuation there. I feel like it is, or maybe it's supposed to be a semicolon. I don't know. I'm not an English expert, but I did present this and thought it was, um, it was, it was received well. And I thought it would be interesting for you all listening. It is also the topic where I did a written article version of this exact same thing in the June

newsletter from my company if you're interested in reading that as opposed to listening to this

or you want to hear both, you know, digest both. Feel free to do so. You can find a link to that

monthly June article, June 2026 article in the notes to the show. Before we get into it, what, and I just learned this, I just heard this joke today from,

from my brother, what do you call a beehive with no exits?

Unbelievable.

That one, that's really good.

That's super creative, or at least I thought so.

And my big, goofy smile moment is the, as I've been driving my younger daughter to school, so both my kids go to the same high school. My older one just graduated. She's a senior or was. She graduated and is done as of like a week and a half ago. They were driving together. My younger one who's finishing up her junior year is not yet done for the year and does not yet have her license. She is young for her grade. Her birthday is not until the end of September. So she'll be going back as a senior the first few weeks. I'll have to drive her because she won't have her license yet. She is very much embarrassed by that, but whatever, it's better to that than taking the bus. And so anyway, so the last handful of days, week or so, I've been taking her to school in the morning and we take our dog, Moose with us, and Moose likes to hang out. Now that the weather's nice, we have the window down and Moose likes to kind of partially hang out the window and look at the world that's going on. And there's one spot on the way to school. We pass this intersection where there's a crossing guard for the school in that area, in that neighborhood. And the crossing guard always gets the chuckle out of Moose. So we kind of drive by the same time every day and she recognizes us, my car,, and Moose hanging out the window. And she smiles and waves. And then same thing, I drop my daughter off. And on the way back, I crossed or past that crossing guard again. And she waves and gets a little giggle out of looking at Moose as he's partially, head kind of out the window, furry face blown around and makes her smile,

makes me smile. It's like, yeah, Moose, good for you, living your best life. Okay, so let's get into the topic at hand. So just to summarize last month, it was the name of the conference is called

Horizons. It is the second year they're doing it. They're going to keep doing it. It is put on by

the American College of Financial Services, which is a, it's an actual, you know, accredited college, but

it's really just for professional designations. And for example, they offer the curriculum to the CFP,

the certified financial planner designation. You have to take seven college level courses, which some universities,

like undergraduate universities do, but this, uh, this one you can also do it to the

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