Roth accounts can shape how and when taxes are paid, but the right choice depends on timing, income, and long-term goals.

How can savers use Roth planning to create more flexibility before and during retirement?

In this episode, Jamie Hopkins and Kate Duffy explain how Roth IRAs, Roth 401(k)s, conversions, and backdoor Roth contributions fit into a broader financial plan. They compare Roth and traditional accounts, explain income limits, cover required distributions, and share why high earners may still benefit from Roth strategies. The conversation also clears up common myths and highlights why tax diversification matters.

Key takeaways:

• How Roth IRAs differ from traditional IRAs when it comes to taxes, timing, and withdrawals
• Why high-income years may not be ideal for Roth contributions, but Roth planning can still fit
• How Roth conversions can help retirees use lower-income years to shift money strategically
• Why Roth 401(k)s may offer higher contribution room without Roth IRA income restrictions
• How backdoor Roth contributions work and why existing IRA balances can create tax issues

Connect with Bryn Mawr Trust:

• 833-973-7633
• LinkedIn: Bryn Mawr Trust
• Website: Bryn Mawr Trust

Connect with Kate Duffy:

• LinkedIn: Kate Duffy

Connect with Jamie Hopkins:

• LinkedIn: Jamie Hopkins