Rich (caller)

Rich, a retired caller, dives into the world of Roth conversions and retirement planning. He discusses his current financial situation, including pensions and Social Security. Jill helps him navigate the tricky waters of converting traditional IRAs before RMDs, emphasizing the importance of timing and tax brackets. They explore the strategy of maxing out current brackets and using brokerage funds for tax payments. Rich gains insights on partial conversions and the importance of coordinating with financial advisers to optimize his retirement income.