Saving for Retirement

 

Social Security, Medicare, and Roth conversions

March 17, 2017
 
 

Vanguard leaders discuss Social Security, Medicare, and Roth IRA conversions

Vanguard retirement investment strategist Maria Bruno and Kahlilah Dowe, Certified Financial Planner™ professional with Vanguard Personal Advisor Services discuss how the timing of a Roth IRA conversion could affect Social Security, Medicare benefits—and taxes.

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Other highlights from this webcast:

Notes:

  • All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.
  • For more information about Vanguard funds, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.
  • This webcast is for educational purposes only. We recommend that you consult a tax or financial advisor about your individual situation.
  • Withdrawals from a Roth IRA are tax free if you are over age 59½ and have held the account for at least five years; withdrawals taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. (A separate five-year period applies for each conversion and begins on the first day of the year in which the conversion contribution is made).
  • Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor.

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