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A Roth conversion transfers funds from a Traditional IRA or 401(k) into a Roth, adding the converted amount to that year's taxable income in exchange for tax-free growth and withdrawals afterward. It is most valuable in lower-income years — such as early retirement before RMDs and Social Security — when the conversion is taxed at a lower rate.
Converting part of a Traditional IRA during a low-income gap year fills up a low tax bracket.
Converting pre-tax retirement funds to Roth can save thousands in future taxes — but the timing and amount matter enormously. Here is how to build a conversion strategy that works for your situation.
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