A Roth conversion ladder is a multiyear strategy of converting portions of a traditional IRA to a Roth IRA, one tax bracket at a time, during low-income years — typically between retirement (age 60) and the start of required minimum distributions (age 73). Each conversion generates future tax-free growth and withdrawals, eliminates RMDs on converted amounts, and gives you flexibility to avoid IRMAA cliffs. Each conversion carries its own five-year rule for penalty-free withdrawal. Staging Roth conversions over several years may help manage the tax impact of conversions while gradually building Roth assets.
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.
