Episode Nine: Strategic Roth IRA Conversions
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Episode Nine: Strategic Roth IRA Conversions
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Strategic Roth Conversions: What Are We Talking About Today?
As we approach the age when required minimum distributions (RMDs) begin, it is worth looking beyond this year’s tax bill.
A Roth conversion moves money from a traditional retirement account to a Roth IRA. The taxable portion generally increases income in the year of conversion.
Converting some of the balance may reduce future RMDs from traditional accounts; a Roth IRA has no lifetime RMDs for its original owner.
The age at which RMDs begin depends on your birth year, and an RMD due for the current year cannot itself be converted.
Could paying tax now improve the lifetime result? The answer depends on the conversion amount, current and future tax rates, other income, and the money needed to pay the tax.
Let’s do the calculation and let us learn together.
Contact me with any questions you may have.