The Roth Conversion Sweet Spot

Retired man read newspaper

There is a period that acts as something of a Goldilocks zone in in determining when to do Roth conversions: the interval between the point that you retire and your first required minimum distribution at age 72. Income is generally lower than it was during your working years, withdrawals from pre-tax retirement accounts aren’t mandatory, […]

When to Withdraw from a Roth IRA

Designing a Roth withdrawal strategy creates happiness

Most posts, blogs, and discussion boards we see feature lengthy comments about adding to a Roth IRA. When do you convert? What tax brackets make sense for contributions? Am I even eligible in the first place? But what do you do when you’ve made the choice to build a Roth IRA and have reached the […]

Converting an IRA to a Roth IRA after age 60

Updated June 9, 2022 Most people hit their peak earning years in their 50s and 60s. Consequently, these also tend to be the peak tax years. On the face of it, converting an IRA to a Roth IRA doesn’t look like an obvious choice. The act accelerates deferred income into the current year and stacks […]