Inbox Question | Roth Conversion Strategy for High Earners
Big Picture Retirement®
Devin Carroll
4.7 • 545 Ratings
🗓️ 13 November 2025
⏱️ 8 minutes
🧾️ Download transcript
Summary
Meera and her husband have $4.5 million in retirement accounts and a $430K income. They want guidance on when to start Roth conversions, how much to convert each year, and whether to continue 401(k) contributions.
Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.
📍Contact Devin's team at https://carrolladvisory.co/podcast1
📍Contact John's team at https://www.rossandshoalmire.com/
If you're thinking, "I love the Big Picture Retirement podcast!" please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the "ratings and reviews" section, tap to rate with five stars, and select "Write a Review." Then be sure to let us know what you loved most about the episode!
Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!
Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517
Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the "Ask A Question" menu selection.
Transcript
Click on a timestamp to play from that location
| 0:00.0 | Welcome to the Big Picture Retirement Show. |
| 0:07.6 | Today, we're going to the inbox to answer questions sent in by you, our listeners. |
| 0:12.3 | Now, if you'd like to send us a question, just head over to big pictureretirement.com and click the Ask a Question tab in the top menu. |
| 0:18.9 | Oh, and just a quick reminder. |
| 0:19.9 | On this podcast, we provide |
| 0:22.0 | general information and not specific tax, legal, or financial advice. But if you're ever ready |
| 0:28.3 | to move from the broad education we provide here to personalized advice that's specific to you, |
| 0:34.7 | you can find links to our websites down in the description. Now let's jump in |
| 0:39.1 | to today's question. John, today's question comes from Mira. And Mira gives us some |
| 0:48.7 | compliments in the opening about the podcast and said that she really loves listening to our episodes and the way that we share |
| 0:56.0 | stories and jokes while also discussing serious retirement topics. |
| 1:00.9 | I totally agree. |
| 1:02.0 | Yeah. |
| 1:02.6 | Finance and law can be so dry. |
| 1:05.0 | And if we just got on here and talked about finance and law, it would bore us today. |
| 1:10.2 | And we would stop recording if this just wasn't a |
| 1:14.0 | chat session between us, right? Right. Yeah. I would be done. I'd be sick of listening to me. |
| 1:19.8 | Yeah. Yes. So she said, I went back and listened to quite a few episodes. They live in Washington, |
| 1:26.9 | and they're thinking about retiring in the next five to 10 years. |
| 1:30.2 | So they are both in their 50s. All right. So that's kind of the groundwork here. Now, she said, |
| 1:35.8 | in pre-tax accounts, we have four and a half million, and we know we need to do Roth conversions, |
| 1:40.0 | but haven't done it yet. What should be our strategy? Our combined income is 430,000. And then she asked |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Devin Carroll, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Devin Carroll and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.