We're in our 60s. My wife and I have $345,000 in annual pensions and $1 million in 403(b)s. Is it too late for Roth conversions?
"Roth assets would provide our children with tax-free distributions."
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Roth conversions
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Latest on Roth conversions
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Am I too old for Roth conversions? I'm 84 and my wife is 77. We have $8 million saved.
"We are reluctant to pay a financial adviser 2% of assets - roughly $160,000 per year."
We're in our 50s and have $1.5 million in traditional 401(k)s. Is it too early to start Roth conversions?
"The last adviser we worked with lost a significant portion of our portfolio."
I'm 63, a retired CPA with a $1.2 million 401(k). Do I need to bother with a Roth conversion?
"I don't expect my marginal tax rate to be materially different in the future."
Roth conversions as early as your 20s and 30s? It's not a crazy idea.
Most people don't get a break in their tax rate until they retire, but there could be earlier opportunities
An adviser told me I can save 35% of the taxes on a Roth conversion. Is that true?
The age-old rule applies: If it sounds too good to be true, it probably is.
You may be making a big mistake with your Roth conversion, this expert says
If you have a high IRA or 401(k) balance, you should consider doing this instead.
'I hope to retire at 59': I have $950,000 in my 401(k)s. When do I do a Roth conversion?
Roth conversions are permanent. Once done, they cannot be undone.
MarketWatch Money Challenge, Day 7: Do a Roth conversion - if you fall into this category
The impact of a Roth conversion on a portfolio can be immense over time, to the tune of tens or even hundreds of thousands of dollars.
Macro
Roth conversions will bring my income up to $400K. I'm 68. How much should I move over?
"I know all about taxes, Medicare, growth rate, inflation, Roth conversions, etc."
Should we drain our $200,000 savings for Roth conversions on $2.3 million in our 60s?
A reader worries he and his wife might need that money down the road.
I'm doing Roth conversions, but my IRA balance keeps going up. When do I stop?
Retirement blogger Fritz Gilbert is trying to reduce his future tax burden, but it's surprisingly harder than he thought.
Making a Roth conversion decision on your own can be scary. How to know when to make a move.
When is a Roth conversion a good idea? Readers are confused about their strategies.
4 cases when a Roth conversion won't pay off for you
Sometimes moving money to a Roth IRA just doesn't make sense.
I'm 90, and the RMDs and taxes on my $1.5 million are huge. Is it too late for Roth conversions now?
If you're leaving money to heirs, you need to consider more than just your own situation.
With Trump back, are Roth conversions less attractive?
The wisdom of Roth conversions depends on your household's circumstances
