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Question

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

Answer

A Roth conversion moves money from a traditional IRA or 401(k) into a Roth IRA. You pay ordinary income tax on the converted amount in the year of the conversion, but future growth and qualified withdrawals come out tax-free. During the pre-RMD years, your lower taxable income may mean you pay a lower rate on the conversion than you would when RMDs and Social Security add to your income later.

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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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