Roth Conversions Reimagined: Using Home Equity to Optimize Taxes in Retirement
Mon Jan 26 2026
This episode explores how advisors and homeowners are rethinking Roth conversions in today’s tax environment—and why liquidity, not intent, is often the biggest barrier.
We’ll discuss how home equity can be used strategically to fund Roth conversions without selling investments, disrupting portfolios, or creating new debt. The conversation will focus on real planning scenarios, tax optimization, and how advisors can model these decisions holistically rather than in isolation.
Listeners will walk away with a clearer understanding of:
Why Roth conversions remain underutilized despite their long-term value
The role home equity can play as a planning asset
How integrated planning tools are changing advisor-client conversations
What “tax optimization” really looks like in practice for mass affluent households
This is a planning-first discussion designed for advisors, planners, and financially engaged homeowners navigating retirement decisions.
🔹 Learn more at 62WhoKnew.com
Chapters:
00:00 Introduction to 62 Who Knew Professional Edition
02:53 Understanding Roth IRA Conversions
05:46 Challenges in Executing Roth Conversions
08:37 Introducing Chiefs: A New Funding Solution
11:52 Real-Life Application of Chiefs for Roth Conversions
14:43 Comparative Analysis of Funding Roth Conversions
17:41 The Importance of Aging in Place
20:44 Why Financial Advisors Should Care
24:09 Strategic Solutions for Wealth Advisors
25:33 Enhancing Financial Planning with Home Equity
27:50 Creating Better Outcomes for Clients
29:59 Understanding Home Equity vs. Home Ownership
31:20 The Importance of Thoughtful Financial Planning
34:01 Addressing the Fear of Running Out of Money
35:46 Accessibility of Financial Solutions for All
37:20 Comparing Financial Tools and Strategies
39:37 Changing the Paradigm of Financial Planning
41:54 The Value of Innsmark Tools for Advisors
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DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.
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Episode Shot and Edited at BlueBox Studios Tampa
https://blueboxdigital.com/
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This episode explores how advisors and homeowners are rethinking Roth conversions in today’s tax environment—and why liquidity, not intent, is often the biggest barrier. We’ll discuss how home equity can be used strategically to fund Roth conversions without selling investments, disrupting portfolios, or creating new debt. The conversation will focus on real planning scenarios, tax optimization, and how advisors can model these decisions holistically rather than in isolation. Listeners will walk away with a clearer understanding of: Why Roth conversions remain underutilized despite their long-term value The role home equity can play as a planning asset How integrated planning tools are changing advisor-client conversations What “tax optimization” really looks like in practice for mass affluent households This is a planning-first discussion designed for advisors, planners, and financially engaged homeowners navigating retirement decisions. 🔹 Learn more at 62WhoKnew.com Chapters: 00:00 Introduction to 62 Who Knew Professional Edition 02:53 Understanding Roth IRA Conversions 05:46 Challenges in Executing Roth Conversions 08:37 Introducing Chiefs: A New Funding Solution 11:52 Real-Life Application of Chiefs for Roth Conversions 14:43 Comparative Analysis of Funding Roth Conversions 17:41 The Importance of Aging in Place 20:44 Why Financial Advisors Should Care 24:09 Strategic Solutions for Wealth Advisors 25:33 Enhancing Financial Planning with Home Equity 27:50 Creating Better Outcomes for Clients 29:59 Understanding Home Equity vs. Home Ownership 31:20 The Importance of Thoughtful Financial Planning 34:01 Addressing the Fear of Running Out of Money 35:46 Accessibility of Financial Solutions for All 37:20 Comparing Financial Tools and Strategies 39:37 Changing the Paradigm of Financial Planning 41:54 The Value of Innsmark Tools for Advisors Get Mike's Book: A Gift From My Father https://bit.ly/AGiftFromMyFather Follow us on Social Media: https://www.facebook.com/62whoknew https://www.linkedin.com/in/michaelbanner1/ DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement. ------------------------------------------------------------------------------------ Episode Shot and Edited at BlueBox Studios Tampa https://blueboxdigital.com/