The Atomic Retirement Podcast
Looking for the best retirement podcast to help you retire with confidence? The Atomic Retirement Podcast breaks down the complex world of retirement and tax planning into clear, actionable strategies. Hosted by Ryan Kilkenny, a Marine Corps veteran, financial planner, and founder of Atomic Planning, this podcast is designed for those 50 and older who want to maximize their savings, reduce taxes, and create a reliable retirement income. Each episode covers topics like:
✅ When to claim Social Security for maximum benefits
✅ Smart tax strategies to keep more of your wealth
✅ How to build a retirement paycheck that lasts
✅ Investment strategies for financial security
✅ Avoiding common retirement planning mistakes
If you’re looking for straightforward, expert advice to help you navigate retirement, you’ve found it.
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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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