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Ignore Roth Conversion Advice If You Have A Pension

Most retirement advice online assumes your income will drop once you stop working. For private sector employees living off Social Security and modest 401k withdrawals and skipping Roth conversions makes sense for them. But for public employees with a pension, Cole explains why that generic advice can quietly set you up for higher taxes down the road, and why pension holders need to think about Roth conversions in a completely different way. 🎥 Subscribe to my channel:    / @colekrilich   #retirement #taxplanning #pension What video topic would you like to see discussed in a future video? Let me know in the comments, thanks! Timestamps: 00:00 – Generic Roth Conversion Advice Doesn't Apply 01:33 – A Pension Fills Your Tax Brackets 02:23 – Real Example 04:49 – The 3-Question Framework for Evaluating Roth Conversions 07:35 – What To Do Disclaimer: Because we are not familiar with your individual circumstances, the information provided here should not be considered tax, legal, insurance, or financial advice, and it may be outdated or contain inaccuracies. While this information is drawn from sources considered reliable, we cannot guarantee its accuracy. This material is intended solely for educational purposes. For professional guidance, please consult a qualified CPA, attorney, insurance agent, financial advisor, or other appropriate specialist relevant to your needs. All investments carry risk, including possible loss of principal. The information presented here does not constitute personalized investment advice or a solicitation to buy or sell any security, insurance product, or other investment vehicle.