A short video segment explaining common practical errors when executing Roth IRA-to-Roth conversions. The speaker warns against custodians or advisors moving assets proportionally across accounts for neat visuals, and emphasizes that the combined IRA+Roth allocation—rather than each account's standalone pie chart—determines overall portfolio risk.
On paper, Roth conversions look simple. You move money from one account to another, and you pay some tax. But in real life, this is where the mistakes often happen. When you start moving assets from an IRA to a Roth, your custodian or your advisor will often want to just move everything proportionally. A little bit of everything. Why? Because it keeps the pie charts looking neat. But here's the truth. Those pie charts don't tell the whole story. Individually, your IRA and your Roth might look different, and that's okay. What actually matters is your combined allocation. When you add the IRA and Roth together, your overall risk can stay exactly the same. You're not becoming more aggressive. You're just being more intentional about where growth lives in your portfolio.
