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Question

Should I do a Roth conversion before year-end?

Answer

A Roth conversion before Dec. 31 can fill a lower tax bracket and reduce future required minimum distributions (RMDs). The converted amount counts as ordinary income, so it makes sense in a year when your taxable income is lower than usual. A Mercer Advisors wealth advisor can help you size the conversion to fill your desired bracket without triggering higher Medicare premiums.

Related FAQs

When does Medicare open enrollment start and end?

When is the deadline to take a required minimum distribution?

What is the deadline for a Roth conversion?
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Last Updated Sept. 28, 2026
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