The notch years refer to the period between when you retire and when required minimum distributions (RMDs) begin. During this window, many retirees experience unusually low taxable income. That gap may represent a significant opportunity to convert pretax retirement funds to Roth accounts at lower tax rates than you paid during your working years and at potentially lower rates than your heirs would pay on an inherited traditional IRA under the 10-year distribution rule.
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.
