The Super-Roth: Why Your 403(b) Might Be Your Best Retirement Tool
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The Super-Roth: Why Your 403(b) Might Be Your Best Retirement Tool
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About this listen
It's December, and lots of financial professionals are talking with their clients about Roth conversions—but is that the best strategy for pastors? In this episode, we break down the "Super-Roth" concept: how your church 403(b) combined with housing allowance in retirement can actually beat a traditional Roth in terms of pure tax efficiency. But there's a catch (there's always a catch), and it has everything to do with what happens when you pay off your mortgage. Learn how to think strategically about your 403(b) balance, when Roth conversions make more sense, and why the legacy factor might tip the scales.
Resources mentioned:
- Pastor Refinance Calculator: https://www.shepherdswallet.com/refinance-calculator
- Pastor Tax Review: https://www.shepherdswallet.com/taxreview
- Sacred Capital Community: https://www.shepherdswallet.com/join
- Full article: https://www.shepherdswallet.com/blog/should-pastors-do-roth-conversions
This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.