Layer3.news — Sean Mullaney

WHY ROTH IRAS AND ROTH CONVERSIONS MAY NOT MAKE SENSE FOR YOU

https://s.yimg.com/ny/api/res/1.2/A6Sc1XuUcQ6VQxqxlkL3sQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02MDA-/https://media.zenfs.com/en/marketwatch_hosted_869/e16f11d6bab070597b7b2746e52ec3bc

✍️ Roth IRA conversions and small-cap stocks are discussed in this article, highlighting the importance of tax-efficient retirement planning and diversifying one's portfolio.

👉 Roth IRA conversions allow individuals to pay taxes on retirement account contributions upfront and avoid paying taxes on withdrawals later. 👉 Small-cap stocks have outperformed large-cap stocks in the long term. 👉 Diversifying one's portfolio by including small-cap stocks can help reduce risk and increase returns. 👉 Roth conversions may not be the best choice for most early retirees, according to experts. 👉 Small-cap stocks can be invested in through exchange-traded funds or individual stocks.

-- #BethPinsker #SeanMullaney #CodyGarrett #MarkHulbert #JosephAdinolfi #JoyWiltermuth #BarbaraKollmeyer #QuentinFottrell #BritneyNguyen #ChristinJi #CharlesPassy #finance

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Beth Pinsker Sean Mullaney Cody Garrett Mark Hulbert Joseph Adinolfi Joy Wiltermuth Barbara Kollmeyer Quentin Fottrell

9/28/2025

npub1vap2usg…grwc3n

THE CASE AGAINST ROTH CONVERSIONS: MOST EARLY RETIREES WON’T BENEFIT FROM PAYING TAX NOW

https://s.yimg.com/ny/api/res/1.2/MLidNXxfKkwEmFKMsKHvDg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02MDA-/https://media.zenfs.com/en/marketwatch_hosted_869/c8a00a573f1407765bdd6648903c0c55

✍️ Two financial advisers, Sean Mullaney and Cody Garrett, argue that converting traditional IRA balances to Roth IRAs may not be the best strategy for early retirees, as they believe that tax rates will be lower in retirement.

👉 Converting traditional IRA balances to Roth IRAs may not be the best strategy for early retirees 👉 Tax rates are likely to be lower in retirement, making it more beneficial to defer taxes 👉 Maximizing tax-deferred retirement savings is a key strategy 👉 Using tax-deferred accounts in retirement to minimize taxes is important

-- #SeanMullaney #CodyGarrett #finance

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nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqmuktpdtcvt2qepdgm0xjudsustlr6dsd65llqdg4apqamph92muq0kvcar

Sean Mullaney Cody Garrett finance mainstream:perspective

9/25/2025

npub1vap2usg…grwc3n

WHY ROTH IRAS AND ROTH CONVERSIONS MAY NOT MAKE SENSE FOR YOU

https://s.yimg.com/ny/api/res/1.2/A6Sc1XuUcQ6VQxqxlkL3sQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02MDA-/https://media.zenfs.com/en/marketwatch_hosted_869/e16f11d6bab070597b7b2746e52ec3bc

✍️ Roth IRA conversions and small-cap stocks are discussed in this article, highlighting the importance of tax-efficient retirement planning and diversifying one's portfolio.

-- #BethPinsker #SeanMullaney #CodyGarrett #MarkHulbert #JosephAdinolfi #JoyWiltermuth #BarbaraKollmeyer #QuentinFottrell #BritneyNguyen #ChristinJi #CharlesPassy #finance

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nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqftr8xqumhcjtqvcfkxf4rhxa4u0s0egjn2ss6ar5ldnwqc2rhslqg8kjy7

Beth Pinsker Sean Mullaney Cody Garrett Mark Hulbert Joseph Adinolfi Joy Wiltermuth Barbara Kollmeyer Quentin Fottrell

9/28/2025

npub1vap2usg…grwc3n

THE CASE AGAINST ROTH CONVERSIONS: MOST EARLY RETIREES WON’T BENEFIT FROM PAYING TAX NOW

https://s.yimg.com/ny/api/res/1.2/MLidNXxfKkwEmFKMsKHvDg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02MDA-/https://media.zenfs.com/en/marketwatch_hosted_869/c8a00a573f1407765bdd6648903c0c55

✍️ Two financial advisers, Sean Mullaney and Cody Garrett, argue that converting traditional IRA balances to Roth IRAs may not be the best strategy for early retirees, as they believe that tax rates will be lower in retirement.

-- #SeanMullaney #CodyGarrett #finance

Loading quoted post…

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqmuktpdtcvt2qepdgm0xjudsustlr6dsd65llqdg4apqamph92muq0kvcar

Sean Mullaney Cody Garrett finance mainstream:perspective

9/25/2025