It’s hard to believe that we’re approaching the 100th episode of The Guided Retirement Show. But before we release that special episode later this season, we want to reflect on The Guided Retirement Show’s first two episodes. They were released back in 2019 and focused on Roth vs. traditional IRAs.

Along with looking back at what all has changed in the tax code that impacts the Roth vs. traditional decision, we need to take a forwardlooking approach during this discussion. That’s because there are new tax laws scheduled to start in 2026 after the Tax Cuts and Jobs Act sunsets.

There a lot of things that need to be considered when choosing between Roth and traditional. Modern Wealth Management Managing Directors Dean Barber and Bud Kasper and Director of Tax Corey Hulstein, CPA are going to review those considerations.

In this podcast interview, you’ll learn:
• The Difference between Roth vs. Traditional
• Tax Rates Are Scheduled to Go Up in 2026
• Some of the Key Changes with SECURE 2.0
• The Ins and Outs of the Roth FiveYear Rules

Timestamps:
00:00 – Introduction
03:07 – Breaking Down Roth and Traditional
07:05 – SECURE Act and SECURE 2.0
09:25 – 401(k)s and Roth or Traditional
16:52 – Why Roth vs. Traditional Matters
18:06 – Even Social Security Needs Factored In
19:20 – Do Roth Conversions Make Sense
21:03 – IRMAA & Medicare Considerations
22:31 – The 5Year Rule & Roth Conversions
27:29 – The Rothification of the US
28:32 – One Scenario a Roth Doesn't Fit
31:06 – The BottomLine on Roth vs Traditional

Become a Rothaholic!: modwm.com/rothaholicclub/

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