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Ep 386: Convert to Roth… But Not TOO Much: The $400,000 Rule Explained

March 25, 2026
David McKnight addresses an issue he sees more and more in his conversations with retirees and pre-retirees: the so-called Roth over-conversion trap.  The problem stems from converting too much money with the result of shortening the lifespan of your retirement savings. David believes that the reaso...

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David McKnight
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David McKnight
David McKnight is a highly regarded speaker whose workshop The Power of Zero has been seen by thousands of Americans across the country. He has made frequent appearances on Bloomberg Radio, The New York Times, CNBC, Yahoo! Finance, Nasdaq.com, Reuters, Investor’s Business Daily and numerous other national publications. Most recently David was a main platform speaker at Forum 400, an annual gathering of the top 1% of financial advisors in the country. In the summer of 2014, he was a Focus Speaker at the annual world-wide meeting of the Million Dollar Round Table in Toronto, Canada.

All the Episodes

Ep 386
Convert to Roth… But Not TOO Much: The $400,000 Rule Explained
March 25, 2026Duration: 08:27

David McKnight addresses an issue he sees more and more in his conversations with retirees and pre-retirees: the so-called Roth over-conversion trap.  The problem stems from converting too much money with the result of shortening the lifespan of your retirement savings. David believes that the reaso...

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Ep 385
5 Years from Retirement? Here's Your Planning Blueprint
March 18, 2026Duration: 08:13

In this episode of the Power of Zero Show David McKnight gives you a blueprint with the key steps to follow for a successful and stress-free retirement if you're about five years away. The first step is figuring out your retirement income shortfall, the income you'll need every month in retirement,...

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Ep 384
Which Retirement Accounts Should You Draw from First?
March 11, 2026Duration: 07:00

Today's episode of the Power of Zero Show sees David McKnight address one of the most important decisions you'll ever make in retirement: where you should withdraw money from first. It's important to note that the sequence in which you draw down your retirement dollars can dramatically affect how lo...

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Ep 383
How I'd Invest $1,000,000 in 2026
March 4, 2026Duration: 08:35

David McKnight discusses the allocation of $1M if he had it to invest in 2026.  David sees a taxable brokerage account as the least efficient investment account you could possibly own – since it's taxed every year and it's exposed to both short- and long-term capital gains. While this type of accoun...

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Ep 382
The #1 Most Hated Retirement Strategy (That Actually Works)
February 25, 2026Duration: 09:03

This episode of The Power of Zero Show sees David McKnight discussing the single most hated retirement strategy in America: annuities. Interestingly enough, annuities are also one of the most powerful tools you can use to protect yourself from the biggest financial risk you face in retirement. Longe...

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