The optimal age for a Roth conversion is typically during your “trough years” – the period between retirement and age 73 when RMDs begin. This window allows you to convert at potentially lower tax rates before required distributions push you into higher brackets.
However, conversions can make sense at any age if you expect to be in a higher tax bracket in the future. Consider factors such as current income, retirement timeline, and long-term tax projections when determining the best timing for your situation.