Check Your Balances

Did Vanguard Come up with a BETR Approach for Roth Conversions?

Ross Anderson, CFP® and Daniel Messeca, CFP® Episode 274

Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.

0:00 | 23:13

In this episode, we’re digging into Vanguard’s 2025 BETR (Break-Even Tax Rate) Framework to see if it’s a legitimate breakthrough or just a fancy new acronym for the same old math. We explore whether this methodology actually simplifies the Roth conversion debate or if it just adds another layer of "analysis paralysis" for investors trying to outrun the IRS. Is pinpointing a break-even rate actually realistic, over-engineered, or not going far enough? 

We’re breaking down the mechanics to see if Vanguard’s "gold standard" is a must-use tool. Tune in as we question whether this framework is truly better, or just better marketing.

Send us Fan Mail

Send your questions for upcoming show to checkyourbalances@outlook.com
@checkyourbalances on Instagram