A Roth conversion moves assets from a traditional IRA to a Roth IRA, requiring you to pay income tax on the converted amount now. In exchange, the assets grow tax-free and qualified distributions are tax-free. Traditional IRA assets grow tax-deferred, but withdrawals are taxed as ordinary income, and RMDs are required starting at age 73 or 75 depending on your birth year. Converting during lower-income years can reduce lifetime taxes, but it increases current-year income — so the decision depends on your tax bracket, timing, and legacy goals.
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.
