A Roth conversion may make sense if you’re in a period of lower taxable income, such as the years between retirement and the start of required minimum distributions (RMDs). The decision depends on your current marginal tax rate, your expected future rate, and downstream effects like income-related monthly adjustment amount (IRMAA) surcharges and Social Security taxation. Running the numbers with a wealth advisor can help you determine whether paying tax today at known rates is preferable to paying tax later at uncertain rates.
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