What If Tax Rates Go Down After I Do a Roth Conversion?
What if you do a Roth conversion and tax rates fall later? See why a Roth conversion should be tested against multiple future tax assumptions before you pay taxes now.
Can You Undo a Roth Conversion If You Change Your Mind?
Can you undo a Roth conversion if you change your mind? Generally, conversions after 2017 can’t be recharacterized. See why modeling the amount before converting matters.
Can I Do a Roth Conversion If My Income Is Too High?
Is there an income limit for Roth conversions? Learn why Roth contribution limits and conversion rules are different and what high earners should model before converting.
Can I Do a Roth Conversion While I’m Still Working?
Can you do a Roth conversion while still working? Learn when converting before retirement may make sense and when waiting for lower-income retirement years may produce stronger math.
Should I Do a Roth Conversion Before I Start Medicare?
Should you do a Roth conversion before Medicare starts? Learn how conversion timing, the Medicare income lookback, tax brackets, Social Security, and RMDs can interact.
What Happens to My IRA and RMDs When My Spouse Inherits It?
What happens when your spouse inherits your IRA? Learn how spousal IRA options, RMDs, taxes, Roth conversions, and the surviving spouse’s retirement can interact.
Should Married Couples Do Roth Conversions Before One Spouse Dies?
Should married couples consider Roth conversions before one spouse dies? See how taxes, RMDs, Medicare, income, and the surviving spouse can change the math.
Should I Do a Roth Conversion Between Retirement and Social Security?
The years between retirement and Social Security can create a Roth conversion window. See how to model tax brackets, Medicare, RMDs, and conversion amounts.
Can RMDs Push You Into a Higher Tax Bracket in Retirement?
Can RMDs push you into a higher tax bracket? See how required distributions interact with Social Security, pensions, Medicare IRMAA, and Roth conversion planning.
What If My IRA Keeps Growing Even After RMDs Start?
What if your IRA keeps growing even after RMDs start? Learn why withdrawals may not shrink a large IRA quickly and how Roth conversion modeling can change the picture.