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Question

Should I do a Roth conversion before required minimum distributions begin?

Answer

For many retirees with significant pre-tax savings, converting before RMDs begin can make sense because you have more control over how much income to recognize each year. As soon as RMDs start, you must take your full required distribution before converting any additional amount, which may shrink your conversion headroom. A multiyear tax projection can help you decide how much to convert and when.

Related FAQs

Is it worth realizing capital gains during a low-income retirement year?

How does a Roth conversion work during the years before required minimum distributions (RMDs)?

What is the retirement tax gap window?
Retirement Tax Planning Asset Protection Retirement Planning Social Security Tax Basics Tax Tips & Tricks Early Retirement Generational Wealth Year-Round Tax Planning FAQs
Last Updated Oct. 2, 2026
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