Ep. 4: Why This Couple With a Pension Chose Traditional Over Roth — and Still Wins скачать в хорошем качестве

Ep. 4: Why This Couple With a Pension Chose Traditional Over Roth — and Still Wins

💡 Roth isn’t always better. In this video, I’ll show you why one couple — even with a pension — chose Traditional contributions instead, and how they’re still winning in retirement. Access the Free Baseline Tool here: https://myfinancialindependenceplan.t... I’m Jon Lee, CPA and Tax Professor, and this is Episode 4 of my Retire Smarter with a Pension series. In this episode you’ll learn: ✅ How long-term tax rates (even with a pension) can be lower in retirement ✅ Why charitable giving can make Traditional contributions far more efficient ✅ How to weigh today’s tax deduction vs. future tax-free growth ✅ Why this couple’s cash flow stays strong even if tax rates rise 🎯 Whether you’re planning to retire with a pension or just want to minimize lifetime taxes, this breakdown will show you how to think strategically — not emotionally — about Roth vs. Traditional. If you've missed the other videos in the series, catch up here and access your free baseline plan! Ep 1: How to Build Your Retirement Plan If You Have a Pension (Free Baseline Tool) -    • Ep 1: How to Build Your Retirement Plan If...   Ep. 2: The 401(k) Match — Your Best Guaranteed ROI (Roth vs. Traditional Explained) -    • Ep. 2: The 401(k) Match — Your Best Guaran...   Ep. 3: The Secret Retirement Account Pension Holders Overlook — The HSA! -    • Ep. 3: The Secret Retirement Account Pensi...   👉 If you want direct help creating your personalized lifetime plan, I’m working with a small beta group 1-on-1 — details included here: https://myfinancialindependenceplan.t... 🔔 Don’t forget to like, subscribe, and share to help more people retire smarter with a pension! 00:00 Roth might not always be better 00:39 Retire Smarter With a Pension Series 01:40 Case study so far 02:11 You're going to get killed by taxes later on??? Lifetime Effective Tax Rates 03:35 Marginal tax brackets 03:59 Net cash flows 04:12 Modeling Traditional (tax deferred) contributions 09:35 Modeling Roth contributions 12:20 Charitable planning is key in Roth vs Traditional 14:20 Giving final tax deferred balance to charity 17:07 What if tax rates increase significantly? Disclaimer: The information provided in this video is for informational purposes only and is not meant to take the place of professional legal, accounting, or financial advice. If you have any legal questions about this video or the subjects discussed, or any other legal matter, you should consult with an attorney or tax professional in your jurisdiction.