Helping One Million People Retire with Financial Security Supported by The Yields for You ETFs: YFYA and RSMV

About
About Yields4U About Leibel Sternbach Meet The Team Why Choose a Financial Consultant (ChFC) Why Choose an Enrolled Agent with the IRS (EA) Why Choose a National Social Security Advisor
Services
The Yields For You Process Retirement Planning Private Wealth Management Tax Minimization Other Services
In The News
Resources
Classes Free Guides Roth Calculator RMD Calculator Social Security Calculator 60-Second Retirement Plan Fiduciary vs Fee-Only Frequently Asked Questions
Retirement Blog 🎙️ Leibel on FIRE
Book Appointment

The Roth Conversion Mistake That Could Cost You in Retirement

Season #3

In this episode, Leibel Sternbach explains why the hardest part of Roth conversions isn’t deciding whether to convert, but figuring out how, when, and whose tax bill you’re trying to reduce. He shares that he wrote The 30 Day Roth Conversion Handbook to scale the one-on-one process he uses with clients, guiding readers through deciding if conversions are right for them, how much to do, how aggressively to proceed, and how to minimize taxes while protecting retirement cash flow and legacy goals. Sternbach connects the book to his father’s death at 63 without a financial plan, including beneficiary mistakes and debt, underscoring how irreversible early-retirement decisions can be. The book includes raw client stories, and will launch on Amazon, possibly at 99 cents, with an accompanying AI tool to guide readers.

00:00 Roth Conversion Framing

00:27 Why Write This Book

02:05 Dad’s Story and Motivation

04:40 The Biggest Roth Mistake

06:49 Raw Client Stories

08:56 How to Get the Book

09:14 Launch Deal and AI Bonus

10:01 Final Wrap Up