Can I Do a Roth Conversion After RMDs Have Started?
Can you still do a Roth conversion after RMDs start? Yes, but the year’s RMD generally must come out first and cannot itself be converted. Here’s how to model what comes next.
Is It Too Late to Do a Roth Conversion at Age 70?
Is age 70 too late for a Roth conversion? See how taxes, RMDs, Medicare IRMAA, retirement income, your spouse, and legacy can affect the math.
Can I Withdraw Money From a Roth Conversion Before 5 Years?
Can you withdraw money from a Roth conversion before 5 years? Learn how age 59½, Roth IRA ordering rules, conversion timing, and the different 5-year rules affect withdrawals.
Does the 5-Year Rule Apply to Roth Conversions?
Does the 5-year rule apply to Roth conversions? Learn why there are actually different 5-year rules, how age 59½ matters, and what retirees should know before converting.
How Many Years Should I Spread a Roth Conversion Over?
Should you spread a Roth conversion over 2, 3, 5, 7, or 10 years? Learn how taxes, RMDs, Medicare IRMAA, and thousands of modeled scenarios can change the answer.
Should I Choose a Bonus Annuity or a Higher Participation Rate for a Roth Conversion?
Should you choose an annuity bonus or higher participation rate for a Roth conversion? Compare bonus value, out-of-pocket taxes, growth potential, and the full retirement math.
Should I Use Savings to Pay Taxes on a Roth Conversion?
Should you use savings to pay Roth conversion taxes? Compare paying out of pocket with an annuity carrier-bonus strategy and see why the full retirement math matters.
Should I Use My IRA Money or Carrier Funds to Pay Taxes on a Roth Conversion?
Should you use IRA money to pay Roth conversion taxes? See how thousands of scenarios can compare IRA funds, outside cash, and potential carrier bonus strategies.
Is a Roth Conversion Worth Paying Taxes Now? How to Know Before You Convert
Is a Roth conversion worth paying taxes now? See how thousands of Roth conversion scenarios can be modeled to compare taxes now against projected retirement income, RMDs, Medicare costs, and legacy.
How Does a Roth Conversion Affect Required Minimum Distributions?
Can a Roth conversion reduce future RMDs? Learn how converting traditional IRA assets can change future required distributions, taxes, Medicare IRMAA, and retirement income.