The Atomic Retirement Podcast
The Atomic Retirement is the go-to podcast for smart, tax-savvy retirement planning. Hosted by Marine Corps veteran and financial planner Ryan Kilkenny, this show helps people over 50 navigate the complex world of retirement, Social Security, Medicare, and tax-efficient investing.
Whether you're wondering when to claim Social Security, how to lower taxes in retirement, or how to create a reliable income stream, this podcast gives you clear, actionable advice to help you retire with confidence.
Each episode covers topics like:
✔️ Tax-saving retirement strategies to keep more of your money
✔️ Smart investment moves for a secure financial future
✔️ Medicare and Social Security tips to maximize your benefits
✔️ Retirement income planning so you never run out of money
✔️ Common mistakes to avoid when transitioning to retirement
Your retirement shouldn’t be a guessing game.
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The Atomic Retirement Podcast
33. 7 Reasons Why a Roth Conversion Might Be a Bad Idea
Roth conversions are often touted as a smart tax move—but are they always the right choice? Not necessarily. In this episode, we’re breaking down 7 situations where a Roth conversion might actually cost you more in taxes than it saves you.
You’ll learn:
✅ Why a partial Roth conversion is probably smarter than going all in
✅ How your income two years ago impacts your Medicare premiums
✅ Why you might regret converting if you plan to donate to charity
✅ How future medical and long-term care expenses could make keeping IRA dollars more tax-efficient
✅ The tax trap of converting before moving to a no-tax state
Before you convert your IRA, make sure you’re not making a costly mistake. Tune in to find out how to make the best decision for your retirement.
Episode Resources
When Roth Conversions Make No Sense
Form SSA-44, Medicare Income-Related Monthly Adjusted Amount Life-Changing Events
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