The optimal age for a Roth conversion is typically during your “trough years” – the period between retirement and age 73 when RMDs begin. This window allows you to convert at potentially lower tax rates before required distributions push you into higher brackets.
However, conversions can make sense at any age if you expect to be in a higher tax bracket in the future. Consider factors such as current income, retirement timeline, and long-term tax projections when determining the best timing for your situation.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
