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Roth Conversions

Retirement planning insights and strategies from Mike Stevens and Capital Wealth Advisors.

Mike Stevens Capital Wealth Advisors

15 MIN READ 10/11/2025

retirement planning financial planning

Originally aired on KAOX, KID, KNRS, and KSL

Roth Conversions: The Utah Retiree's Guide to Tax-Free Retirement Income

Published: October 11, 2025
Last Updated: March 18, 2026
Author: Mike Stevens, Capital Wealth Advisors
Episode: Retire Right Radio, October 11, 2025

Originally aired on KAOX, KID, KNRS, and KSL. This comprehensive guide explores Roth conversion strategies specifically tailored for Utah retirees, based on the October 11, 2025 episode of Retire Right Radio with Mike Stevens.

Introduction: Your Tax-Free Future Starts Today

Picture this: it's 1975, gas costs 57 cents per gallon, stamps are a dime, and the average home costs $42,600. Fast-forward to today—those same items cost dramatically more, yet many retirees are still planning with yesterday's assumptions about taxes and retirement income.

The October 11, 2025 episode of Retire Right Radio tackles one of the most powerful—yet frequently misunderstood—strategies available to Utah retirees: Roth conversions. With the Federal Reserve cutting interest rates and tax law changes on the horizon, now might be the perfect time to consider shifting money from traditional retirement accounts into tax-free Roth IRAs.

But here's the critical point: poorly executed Roth conversions can cost you more money than they save. This comprehensive guide, based on Mike Stevens' 20+ years of experience helping Utah families, reveals the strategies, pitfalls, and opportunities you need to know.

Key Takeaways: Essential Roth Conversion Insights for Utah Retirees

💡 Critical Numbers and Strategies from This Episode:

$38+ trillion - Current national debt making future tax increases highly likely (32,688 years ago = 1 trillion seconds)
No limits - Unlike contributions, there are currently no income or amount limits on Roth conversions
5-year rule - Each conversion must season for 5 years before interest can be withdrawn penalty-free
Age 73 - When Required Minimum Distributions (RMDs) begin, potentially pushing you into higher tax brackets
IRMAA lookback - Medicare premium increases kick in 2 years after high-income events from conversions
Single filer penalty - Surviving spouse loses married filing jointly status, facing highest tax rates

The Federal Reserve Impact: Why Utah Retirees Need to Act Now

Interest Rate Reality Check

The Federal Reserve's recent rate cut from 4.25% to 4% signals a new environment for retirees. When the Fed cuts rates, borrowing becomes cheaper, but savers pay the price. For Utah retirees depending on CDs, bonds, and savings accounts for income, this means shrinking returns just when you need reliable cash flow.

How Rate Cuts Affect Utah Retirement Income:

Traditional Safe Investments:

CDs and bonds see reduced yields
Savings accounts offer lower interest
Fixed-income portfolios generate less cash flow
Conservative retirees face income pressure

The Capital Wealth Solution:

Balanced approach between growth and protection
Index annuities providing downside protection with upside potential
Protected growth strategies for Utah's conservative retirement culture
Income planning that doesn't rely solely on interest rates

Taking Back Control

While you can't control the Federal Reserve (despite Mike's attempts!), you can control whether you have comprehensive retirement income plans in place. This is where Roth conversions become particularly powerful for Utah retirees.

Understanding Roth Conversions: The Fundamentals

What Actually Happens in a Conversion?

At its core, a Roth conversion shifts money from one type of retirement bucket to another:

Traditional IRA/401(k) - "Tax Deferred":

No taxes when money goes in
Taxed as ordinary income when withdrawn
Required Minimum Distributions starting at age 73
Forced to take money whether needed or not

Roth IRA - "Tax Free":

Pay taxes upfront during conversion
Tax-free growth for life
Tax-free qualified withdrawals
No RMDs during your lifetime
More flexible for legacy planning

The Utah Advantage: Utah's moderate state income tax rates make conversions more attractive than in high-tax states. Plus, Utah's business-friendly environment and lower overall cost of living provide more flexibility for managing conversion tax bills.

The "Tax Sale" Opportunity

Mike frequently tells clients that "taxes are on sale," and historical data supports this assertion:

Historical Context:

1913: Federal income tax begins
1940s-60s: Top rates reached 94%
Ronald Reagan era: Actor made only 2 movies per year because rates over $200,000 were 94%
Current rates: Near historic lows despite feeling high

The National Debt Reality: With federal debt exceeding $38 trillion—a number so large that one trillion seconds takes you back 32,688 years—future tax increases seem inevitable. Paying today's rates to avoid tomorrow's higher rates could be the bargain of a lifetime.

Mike's Personal Story: Why the Retirement Money Map™ Exists

A Family Crisis That Changed Everything

Mike's journey into retirement planning began with personal tragedy. At just 49 years old, his father passed away unexpectedly, leaving his mother and family financially unprepared despite having accumulated substantial assets.

What Went Wrong:

Father handled all financial decisions
Family had no knowledge of taxes, investments, or estate planning
Estate went through costly, messy probate
No comprehensive plan existed—just a portfolio

The Transformation: This experience led Mike to switch from medical school to financial planning, with a mission: "I will never allow what happened to my mom and dad to happen to myself or anyone I care about."

The Birth of the Retirement Money Map™

What Makes It Different:

Plans to age 100 (not typical life expectancy)
Reverse-engineered from desired outcomes
Includes tax, inflation, and market stress testing
Living document that adapts over time
Comprehensive approach vs. portfolio-only focus

Special Offer for Utah Listeners: The next five callers to 801-210-5500 receive a complimentary Retirement Money Map™—typically requiring 5-10 hours of professional analysis—at no cost with no obligation.

Strategic Timing for Roth Conversions

The "Gap Years" Opportunity

One of the most powerful windows for Utah retirees is the gap between retirement and Required Minimum Distributions (ages 60-73).

Why This Window Matters:

Lower income years mean lower tax brackets
Time to strategically manage tax liability
Social Security timing coordination opportunities
Medicare planning flexibility

Utah-Specific Advantages:

No state tax on Social Security benefits
Lower housing costs provide budget flexibility
Strong family support systems reduce care costs
Recreation lifestyle keeps healthcare costs reasonable

Market Downturn Conversions

When markets temporarily decline, you can convert more shares at lower values, then benefit from tax-free growth during recovery.

Example Strategy:

Apple stock drops 20% in market correction
Convert more shares at reduced valuation
Pay taxes on depressed value
Future recovery happens tax-free in Roth

Coordinating with Social Security

Delaying Social Security can create more room for conversions in lower tax brackets:

Strategic Coordination:

Delay Social Security from age 62 to 70
Use conversion window for tax optimization
Build tax-free income base before Social Security begins
Create flexible withdrawal strategies

The Five Most Expensive Roth Conversion Mistakes

Mistake #1: Converting Too Much at Once

The Problem: Many retirees want to "get it all done" quickly, but massive conversions can push you into much higher tax brackets, negating the benefits.

Utah Case Study: A Park City couple converted their entire $800,000 IRA in one year, jumping from the 22% to 37% tax bracket. They paid an extra $120,000 in taxes that could have been avoided with a multi-year strategy.

The Solution:

"Bracket filling" - use available space in current bracket
Multi-year conversion schedules
Annual tax projections and adjustments

Mistake #2: The IRMAA Trap (Medicare Premium Shock)

What is IRMAA? Income-Related Monthly Adjustment Amount—the Medicare premium surcharge that catches retirees off guard.

The Utah Surprise:

Two-year lookback period
Conversion at age 65 impacts premiums at age 67
Can cost hundreds to thousands annually
Many Utah advisors miss this coordination

Real Client Example: "We see people that come in and they go, 'hey, I have an advisor, not really too happy with him or her because they told us, yeah, I do a Roth conversion. It's great. How much you want to convert?' And that's the depth of the conversation. So people did the conversion come to find out two years later they get kicked in the teeth because they have a crazy high Medicare premium that was unnecessary."

Mistake #3: Paying Taxes from the IRA Itself

Why This Hurts:

Shrinks the amount actually making it to the Roth
May trigger penalties for younger retirees
Uses more IRA money, potentially spilling into higher brackets
Reduces the conversion effectiveness

Best Practice: Use outside funds to pay conversion taxes, allowing the full converted amount to grow tax-free.

Mistake #4: All-or-Nothing Mentality

The Problem: Retirees either avoid conversions entirely or try to convert everything at once.

The Goldilocks Solution: Like the three bears' porridge, the best conversions are "just right"—not too hot (massive tax bills), not too cold (missed opportunities), but balanced for your specific situation.

Mistake #5: Ignoring the Five-Year Rule

What It Means: Each conversion must "season" for five years before you can withdraw the growth penalty-free.

Key Details:

Principal can be withdrawn immediately
Interest must remain for five years
Each conversion has its own five-year clock
Important for early retirees needing access

Multi-Year Conversion Strategies

Annual Tax Projections

The Process:

Review recent tax returns to understand current situation
Project income for upcoming year
Determine available space in current tax bracket
Calculate optimal conversion amount
Coordinate with other income decisions

Utah Coordination Factors:

Social Security claiming timing
Part-time work income (common in Utah's employment-friendly culture)
Capital gains realization
Traditional vs. Roth 401(k) contributions

Bracket Filling Strategy

How It Works: Instead of arbitrary conversion amounts, strategically use the "space" you have in your current tax bracket without spilling into the next one.

Example for Utah Couple:

Current income: $80,000
22% bracket limit: $89,450
Available space: $9,450
Convert $9,450 without bracket jump

The "Clockwork" Coordination

Mike describes comprehensive Roth conversion strategies as "clockwork"—every piece must work together:

Moving Parts Include:

Tax bracket management
Social Security timing
Medicare premium planning
Estate and legacy goals
Market timing opportunities
Healthcare cost projections

Utah-Specific Conversion Advantages

Tax Environment Benefits

State Tax Advantages:

No Utah state tax on Social Security benefits
Moderate state income tax rates
Business-friendly tax environment
Municipal bond opportunities for Utah residents

Federal Coordination:

Lower overall tax burden than coastal states
More flexibility for conversion timing
Better cash flow management opportunities

Lifestyle and Cost Advantages

Utah Retirement Benefits:

Lower cost of living than national averages
Strong family support systems
Excellent healthcare systems (Intermountain Healthcare)
Recreation opportunities at reasonable costs

Cultural Factors:

Family-centered financial planning
Multi-generational wealth strategies
Conservative investment culture aligns with conversion planning
Strong community support for financial education

Geographic Opportunities

Wasatch Front Advantages:

Access to sophisticated financial planning
Major medical centers for healthcare planning
Employment opportunities for gradual retirement
Cultural and recreation amenities

Rural Utah Considerations:

Lower living costs create conversion flexibility
Family support reduces long-term care costs
Property tax advantages
Simplified lifestyle reduces conversion complexity

Advanced Conversion Strategies

Market Volatility Conversions

Opportunity in Downturns: When markets drop, convert more shares at reduced valuations, then benefit from tax-free recovery.

Utah Implementation:

Local market knowledge for timing decisions
Utah-based investment opportunities
Real estate conversion strategies
Energy sector considerations

Legacy Planning Through Conversions

Multi-Generational Benefits:

Leave tax-free assets to children/grandchildren
Avoid "tax bomb" inheritance problems
Utah family culture supports legacy planning
Educational funding through Roth assets

Small Business Owner Strategies

Utah Entrepreneur Opportunities:

Business sale proceeds conversion
Self-employed retirement plan conversions
Varying income year opportunities
Strategic business planning coordination

Avoiding the Common Coordination Mistakes

The CPA vs. Advisor Problem

The Reality: Most CPAs do tax preparation, not tax planning. Most investment advisors focus on returns, not comprehensive tax strategies.

The Solution: Work with fiduciary financial advisors who coordinate with tax professionals to ensure "the left hand and the right hand are talking together."

Capital Wealth's Approach:

Tax planning (not just preparation)
Coordination with clients' CPAs
Multi-year strategic planning
Utah-specific expertise

Social Security Coordination Errors

Common Mistakes:

Making conversion decisions in isolation
Failing to consider Social Security timing
Missing tax torpedo opportunities
Ignoring Medicare implications

Integrated Planning:

Social Security claiming optimization
Conversion timing coordination
Tax-efficient withdrawal sequencing
Healthcare cost management

The 1975 Time Machine: Learning from History

What Things Cost in 1975

Historical Prices:

Gas: 57 cents/gallon
Stamp: 10 cents
Average home: $42,600
Dozen eggs: 77 cents
Gallon of milk: $1.57

Retirement Context:

Social Security: $196/month average
Inflation rate: 14% (!)
Life expectancy: Men 68.8, Women 76.6 years
COLAs for Social Security began in 1975

The Inflation Lesson for Utah Retirees

Key Insights:

Prices seemed high in 1975 compared to 1950
Today's prices seem impossible compared to 1975
30-year retirements face significant purchasing power erosion
Utah's advantages help, but can't overcome inflation completely

Planning Implications:

Roth conversions create inflation-protected assets
Tax-free growth combats purchasing power loss
Utah lifestyle advantages extend retirement dollars
Healthcare cost inflation requires special planning

Life Expectancy Evolution

1975 vs. Today:

Men: 68.8 vs. 83+ years (gain of 14+ years)
Women: 76.6 vs. 85+ years (gain of 8+ years)
Utah advantages: Healthy lifestyle, excellent healthcare
AI and medical advances may extend lifespans further

Financial Planning Impact:

Much longer retirement periods to fund
Greater healthcare costs over lifetime
More time for Roth conversions to benefit
Legacy planning becomes more important

When Conversions Don't Make Sense

High Current Tax Situations

Red Flags:

Already in highest tax brackets
Expecting lower income in retirement
Significant pension income
Short life expectancy health issues

Cash Flow Constraints

Warning Signs:

No funds outside retirement accounts for taxes
Tight monthly budgets
Pending large expenses
Unstable income situations

Legacy Planning Conflicts

Considerations:

Heirs in lower tax brackets
Charitable giving strategies
Estate tax implications
Family financial situations

The Analysis Process: Getting Started

What to Expect

The "Blood Work" Analogy: Just like going to the doctor for blood work or getting your car's computer diagnostic, you need professional analysis before making Roth conversion decisions.

Documents Needed:

Recent tax returns (2-3 years)
Current retirement account statements
Social Security benefit estimates
Healthcare cost projections
Legacy planning goals

Capital Wealth's Process

Comprehensive Review:

Current financial situation analysis
Tax projection modeling
Conversion opportunity identification
Medicare impact assessment
Social Security coordination
Multi-year strategy development

Utah-Specific Elements:

State tax optimization
Local healthcare system planning
Recreation lifestyle accommodation
Family support system integration

Surviving Spouse Considerations

The Tax Filing Status Shock

The Reality: When one spouse dies, the survivor loses married filing jointly status and becomes a single filer—the highest rate in the tax code.

Additional Challenges:

One Social Security check disappears
Household income drops but tax rates increase
Living expenses don't necessarily decrease proportionally
Healthcare costs may increase for remaining spouse

Roth Conversion Protection

How It Helps:

Creates tax-free income for surviving spouse
Reduces RMD requirements from traditional accounts
Provides more flexible withdrawal options
Protects against widow/widower tax penalty

Utah Advantages for Surviving Spouses:

Strong family support systems
Lower cost of living reduces financial pressure
Excellent healthcare for aging in place
Recreation opportunities for active aging

Client Success Stories

The Park City Couple

Background: Successful business owners in their early 60s with substantial traditional IRA assets

Challenge: Facing large RMDs starting at 73, pushing them into highest tax brackets

Solution:

Five-year conversion strategy
Coordinated with business sale timing
Used available cash flow for tax payments
Optimized around Social Security claiming

Results:

Estimated $300,000+ in lifetime tax savings
Created tax-free legacy for children
Maintained desired lifestyle throughout

The Salt Lake Teacher

Background: Recently retired educator with pension and modest IRA savings

Challenge: Concerned about future tax increases, wanted flexibility

Solution:

Gradual conversion during gap years
Coordinated with pension income
Used Utah's lower tax rates effectively
Planned around Medicare enrollment

Results:

Tax-free supplement to pension income
Flexibility for unexpected expenses
Protection against future tax increases

Getting Professional Help: The Red Flags and Green Flags

Red Flags to Avoid

Advisor Warning Signs:

"How much do you want to convert?" without analysis
Conversion recommendations without Medicare planning
No tax return review or projections
Pressure for immediate, large conversions
No coordination with existing professionals

Green Flags to Seek

Quality Planning Indicators:

Comprehensive tax analysis before recommendations
Multi-year strategic planning
Medicare and Social Security coordination
Professional team approach
Utah-specific expertise and knowledge

Capital Wealth's Fiduciary Standard:

Legal obligation to act in client's best interest
No sales pressure or quotas
Comprehensive fee-only planning available
Coordination with existing professional relationships

Technology and Future Considerations

AI and Longevity Planning

Medical Advances: Utah's position as a medical research hub means residents have access to cutting-edge treatments that may extend healthy lifespans significantly.

Planning Implications:

Longer retirement periods require more assets
Tax-free income becomes even more valuable
Healthcare cost planning needs longer timelines
Legacy planning gains importance

Technology Tools

Advanced Planning Software:

Multi-decade tax projections
Monte Carlo analysis for various scenarios
Social Security optimization modeling
Healthcare cost inflation planning
Estate planning coordination

Action Steps for Utah Retirees

Immediate Assessment

Questions to Answer:

What's your current tax situation?
When do you plan to retire?
What are your legacy goals?
How's your health and life expectancy?
What's your risk tolerance?

Professional Consultation

What to Expect:

Comprehensive financial review
Tax return analysis
Conversion opportunity identification
Medicare impact assessment
Multi-year strategy development

Complimentary Analysis Offer: Call 801-210-5500 or visit retireutah.com for educational resources including "Are You Paying Too Much Taxes in Retirement?" and "Tax Strategies for Retirement."

Advanced Roth Conversion Scenarios

The Business Owner's Dilemma

Situation: Utah business owners often have highly variable income years, creating unique conversion opportunities.

Strategy:

Convert during down business years
Use business proceeds for conversion taxes
Coordinate with succession planning
Time conversions with market cycles

The Federal Employee

Background: Utah hosts significant federal employment (Hill Air Force Base, IRS, etc.)

Unique Factors:

Federal pension income planning
TSP (Thrift Savings Plan) conversion options
Federal healthcare benefits coordination
Geographic arbitrage opportunities in retirement

The Tech Professional

Situation: Utah's growing tech sector creates stock option and RSU conversion opportunities.

Strategies:

Time conversions with stock option exercises
Manage AMT implications
Coordinate with tech stock volatility
Plan for IPO windfalls

Estate Planning Integration

Utah Probate Advantages

State Benefits:

Simplified probate processes
Lower probate costs than many states
Family-friendly inheritance laws
No state estate tax

Roth IRA Estate Planning

Inheritance Advantages:

Tax-free inheritance for beneficiaries
Stretch IRA opportunities (with SECURE Act modifications)
Charitable giving strategies
Multi-generational tax planning

Family Business Succession

Utah Considerations:

Strong family business culture
Multi-generational planning traditions
Business valuation advantages
Succession planning tax strategies

Healthcare Cost Planning

Utah Healthcare Advantages

System Benefits:

Intermountain Healthcare excellence
University of Utah medical research
Competitive healthcare costs
High-quality care accessibility

Roth Conversion Healthcare Benefits

Cost Management:

Tax-free withdrawals for healthcare expenses
Flexibility for unexpected medical costs
Protection against healthcare inflation
Long-term care funding options

Medicare Supplement Strategies

Utah-Specific Planning:

Competitive Medicare Advantage options
Supplemental insurance strategies
Healthcare savings account coordination
Roth IRA healthcare funding

Common Questions and Concerns

"I'm Already Taking RMDs"

The Reality: Even retirees already taking Required Minimum Distributions have conversion opportunities.

Strategies Available:

Convert amounts above RMD requirements
Use RMDs to fund conversion taxes
Reduce future RMD requirements
Create tax-free growth for heirs

"My CPA Says Don't Do It"

Understanding the Disconnect:

CPAs focus on current-year tax minimization
Financial planners look at lifetime tax optimization
Different professional perspectives and training
Importance of coordinated professional team

"What If Tax Rates Don't Go Up?"

The Insurance Perspective: Think of Roth conversions as "tax insurance"—you pay a premium (current taxes) for protection against future tax increases.

Scenario Planning:

Best case: Rates stay the same, you break even
Most likely case: Rates increase, you save significantly
Worst case: You paid known taxes vs. unknown future rates

Resources for Utah Retirees

Educational Materials

Available at retireutah.com:

"Are You Paying Too Much Taxes in Retirement?"
"Tax Strategies for Retirement"
Social Security optimization reports
Medicare planning guides
Estate planning checklists

Professional Development

Continuing Education:

Quarterly tax law update seminars
Social Security claiming workshops
Medicare enrollment education
Estate planning coordination meetings

Community Resources

Utah-Specific:

Utah Department of Aging services
Local senior centers education programs
University of Utah retirement research
Community college financial education

The Future of Retirement Tax Planning

Legislative Changes on the Horizon

Potential Modifications:

SECURE Act 3.0 implications
Tax rate adjustments for deficit reduction
RMD age modifications
Roth conversion rule changes

Utah Advocacy: Stay informed about federal legislation affecting retirement through Utah's Congressional delegation and professional associations.

Technology Integration

Planning Improvements:

AI-enhanced tax optimization
Real-time scenario modeling
Automated rebalancing strategies
Integrated healthcare cost planning

Conclusion: Your Tax-Free Future Begins Today

The October 11, 2025 episode of Retire Right Radio demonstrates that Roth conversions aren't just about paying taxes now versus later—they're about taking control of your retirement destiny. For Utah retirees, the combination of favorable state tax policies, excellent healthcare systems, strong family support structures, and reasonable living costs creates unique opportunities for tax-free retirement income.

Key Success Principles for Utah Roth Conversions:

Strategic Timing - Use gap years, market downturns, and low-income periods
Professional Coordination - Ensure tax planning and investment management work together
Utah Advantage Optimization - Leverage state tax benefits and lifestyle advantages
Multi-Year Planning - Avoid all-or-nothing approaches with gradual strategies
Comprehensive Integration - Coordinate with Social Security, Medicare, and estate planning

The Utah Retirement Reality:

Living in Utah provides unique advantages for retirement planning: no Social Security taxation, moderate overall tax rates, excellent healthcare, strong family cultures, and reasonable costs. But these benefits only help retirees who plan strategically to optimize them.

Your Next Steps:

Remember the lesson from 1975: what seems expensive today will seem cheap in 30 years. Paying today's tax rates to avoid tomorrow's potentially higher rates could be one of the most valuable financial decisions you make.

The strongest Roth conversion strategies aren't the most aggressive ones—they're the most thoughtful ones. And in Utah, with proper professional guidance, most retirees can create significant tax-free income while maintaining their desired lifestyle and legacy goals.

Take Action: Schedule Your Utah Roth Conversion Analysis

Don't let another tax year pass without understanding your opportunities. Whether you're in your 60s planning retirement or already retired and wondering about your options, professional analysis can reveal strategies you didn't know existed.

Special Offer for Utah Residents

For the next five callers: Complimentary Retirement Money Map™ analysis plus Roth conversion assessment—typically requiring extensive professional analysis.

What's included:

Current tax situation analysis
Multi-year conversion projections
Medicare impact assessment
Social Security coordination review
Utah-specific strategy optimization
Professional team coordination
Completely complimentary with no obligation

Contact Capital Wealth Advisors:

Phone: 801-210-5500
Text: "VISIT" to 801-210-5500
Website: capitalwealth.com
Educational Resources: retireutah.com

Remember: The best time to plant a tree was 20 years ago. The second best time is today. The same principle applies to Roth conversion planning—the best time was years ago, but today is the second best opportunity you'll have.

Frequently Asked Questions About Utah Roth Conversions

Q: How do I know if a Roth conversion makes sense for my situation?

A: Get a professional tax analysis that considers your current situation, future income needs, legacy goals, and Utah-specific factors. The next five callers receive this analysis complimentary.

Q: Can I do partial Roth conversions over multiple years?

A: Yes, and this is often the most effective strategy. "Bracket filling" over multiple years can save thousands compared to large one-time conversions.

Q: How does Utah's tax situation affect Roth conversion decisions?

A: Utah's moderate state tax rates and no Social Security taxation make conversions more attractive than in high-tax states. This creates more flexibility for timing and amount decisions.

Q: What happens if I need the money before the five-year rule expires?

A: You can withdraw converted principal immediately penalty-free, but growth must remain for five years. Each conversion has its own five-year clock.

Q: Should I be worried about future tax rate changes affecting my decision?

A: Given current federal debt levels and historical tax rates, most economists expect increases. Roth conversions provide protection against this risk while giving you control over timing.

This content is based on the October 11, 2025 episode of Retire Right Radio. For personalized advice regarding your specific Utah Roth conversion situation, contact Capital Wealth Advisors for a complimentary consultation.

Ready for Your Retirement Money Map?

Get a complimentary Retirement Money Map™ analysis. Call 801.210.5500 or text VISIT to 801.210.5500.

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