How to Pay Less Tax in Retirement: Roth Conversions Done Correctly
Retirement can create opportunities to reduce your lifetime tax bill—but only if Roth conversions are done strategically. Learn when Roth conversions make sense, how to choose the right amount, and how tax brackets, future RMDs, and Medicare IRMAA can affect the decision. We’ll also explore asset location: which investments may be most valuable in a Roth, Traditional IRA, or taxable account, and how asset selection can influence a conversion strategy. You’ll leave with a practical framework for evaluating Roth conversions and avoiding common mistakes that can turn a good tax strategy into an expensive one.
Sona Wealth - Mark Struthers
Instructor
Mark Struthers, CFA, CFP®, RMA®, is the founder of Sona Wealth Advisors, a fee-only fiduciary financial planning and investment management firm in Minnesota. Mark has 25 years of experience in the financial services industry and specializes in retirement planning, tax-efficient strategies, and helping individuals and families make informed financial decisions as they approach and move through retirement.
Mark holds the Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER™ (CFP®), and Retirement Management Advisor® (RMA®) designations. He is frequently quoted on financial planning and investment topics in publications including Bloomberg and MarketWatch. His approach focuses on making complex financial topics understandable and providing practical strategies people can apply to their own financial lives.
F26-2-93-01
Instructors:
- Sona Wealth - Mark Struthers
| Date | Time | Location |
|---|---|---|
| Tue, Nov 17th 2026 | 6:30 - 8:00 PM | Valley View Building |
