Should I Convert My Account to A Roth? 

 

The years between retirement and required minimum distributions are often the best window for Roth conversions. I plan conversions over several years, not one.

 

FAQs

• Should I do a Roth conversion?

It can make sense if your tax rate now is lower than you expect later. We run the numbers each year.

 

• Can a Roth conversion raise my Medicare premiums?

If the conversion kicks you over the threshold for income, then yes. That's why we plan very carefully on the dollar amount we plan to convert. Higher income can increase Medicare Part B and D premiums two years later, so we plan around those thresholds. 

 

• When do required minimum distributions start?

For most people retiring now, at 73 or 75 depending on birth year.