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6 Things to Know About Roth Conversions

Roth conversions can be an effective strategy for managing your taxes in retirement, but only in the right situations.

By Robin Hartill, CFP – Updated Apr 2, 2025 at 2:56PM

Key Points

  • Roth conversions involve switching a pre-tax account to a post-tax account and immediately paying the tax bill.
  • Consider future tax rates and whether you have the cash to cover the tax bill before doing a Roth conversion.
  • Roth IRA rules allow conversions regardless of income, unlike direct contributions.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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