The Habit That FIXES Roth Conversions
In this instructional segment, Craig Wear, CFP®, uses a pilot‑flight analogy to illustrate why a Roth conversion plan must include an ongoing feedback loop. He explains that merely following a static spreadsheet‑based plan gives a false sense of security, as real‑world conditions change and can cause the strategy to drift off course, resulting in missed lifetime tax savings. Wear distinguishes between a conversion plan (what to do based on original assumptions) and a conversion strategy (how to adapt when reality differs). He emphasizes the habit of annually reviewing the conversion strategy—checking the route and communicating with “air traffic control”—to ensure the plan stays on course before each year’s conversion opportunity disappears.
