How many years can I keep doing Roth conversions before RMDs force my hand?

You have a window from retirement until required minimum distributions begin, and that gap is prime conversion territory. Under current IRS rules, RMDs from Traditional IRAs start at age 73 for most people retiring now, rising to 75 later this decade under SECURE 2.0. The years between leaving work and that start age, when your income often dips, let you convert Traditional dollars to Roth at low tax rates, shrinking the balance that will later be subject to RMDs. Each conversion is taxable in the year you do it, so many people spread conversions across several years to stay within a target bracket. Model the tradeoffs with the Roth conversion tool at wealthserene.com/tools/roth-conversion.