From Yahoo Finance: 2025-06-14 15:01:00

A Roth conversion involves moving retirement funds from a pretax account to a Roth IRA, where you pay taxes upfront but not in retirement. Timing is crucial, as converting during low-income years can minimize taxes. However, converting during high-income years, like pre-retirement or peak earnings, may not be beneficial. Considerations include Medicare premium increases, ACA marketplace subsidies, and potential strain on cash flow. Consulting a financial advisor is recommended to determine if a Roth conversion is suitable for your financial plan. Timing, income levels, and potential tax implications are key factors to consider.



Read more at Yahoo Finance: 10 Times You Should NOT Do a Roth Conversion