When Do Roth Conversions Make Sense?

Added: 2026-05-05

[00:00:00]Most people think Roth conversions are about tax brackets, but that's only part of the story. A Roth conversion isn't about what you pay this year, it's about what you avoid paying over the next 20 and even 40 years. Roth conversions affect your future RMDs, your social security taxation, your Medicare premiums, your retirement income, and even your inheritance strategy. Roth conversions are not about savings, they're about tax control.