The Roth Conversion Window
A narrow opportunity to reduce your future tax burden.
The years between retirement and when Social Security or RMDs begin can be a golden window for Roth conversions. During these lower-income years, you can convert traditional IRA funds to a Roth IRA at a lower tax rate. The money then grows tax-free and is not subject to RMDs. This strategy requires careful planning because conversions are taxable, but for many retirees, paying taxes now at a lower rate beats paying more later.
From Grace
Roth conversions are a timing strategy. Let me help you understand whether this window makes sense for your situation.