Balancing Roth conversions with the $40,000 SALT deduction cap can be tricky for retirees—especially if you live in a high-tax state like California or New York. In this episode of Leibel on Fire, financial planner Leibel Sternbach breaks down how Roth conversions may reduce or even eliminate your state and local tax deductions, why that matters, and what strategies retirees can use to protect their income. You’ll discover: How the SALT cap impacts retirees in high-tax states Why Roth conversions can push you into higher income brackets and shrink deductions The calculus of deciding whether Roth conversions are worth it in your unique situation Strategies to balance today’s tax hit with tomorrow’s financial freedom

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