A Roth conversion lets you move money from a traditional IRA into a Roth IRA. You’ll pay taxes on the amount converted now, but future qualified withdrawals are tax-free.

Why consider it?

• No RMDs: Roth IRAs don’t require minimum distributions, giving you more control.

• Tax planning: Converting today may reduce your lifetime tax bill if you expect higher rates later.

• Income flexibility: Roth withdrawals don’t count toward income, helping manage Medicare premiums and Social Security taxes.

• Legacy benefits: Beneficiaries can inherit tax-free withdrawals.

Roth conversions can be powerful, but timing and strategy matter. To help, we’ve created a simple flowchart to guide you. Ready to see if it makes sense for you? Let’s schedule a conversation.