Retirement Revealed

Retirement Revealed

Listener Q&A: Lowering Taxes with IRA Conversions, Understanding RMDs & Gifting Strategies

March 27, 2024

Check out the latest podcast episode on retirement planning and Social Security by listening on “Apple Podcasts” or “Spotify Podcasts” and watch more retirement planning videos at

Ready to lower your lifetime taxes? Looking for clarity around rules around gifting money to your kids? Unsure of whether you should keep your money in a traditional IRA or convert it to a Roth IRA? You’re not alone!

In this episode, I answer these listener-submitted questions and provide some real world examples of how you might apply this information.

  • How to lower Required Minimum Distribution RMD taxes over time (1:04)
  • Annual Gifting Limit: What’s the number and how does it work? (5:50)
  • Should I Roth convert if I already have a lot of non-IRA investments? (11:16)

If you’ve got a question to ask me for the next Q&A, type it into the yellow box on the right.

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