The 5 Best Times for a Roth Conversion

Planning Matters Radio

Jun 21, 2025•13 min•Season 2025Ep. 621

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Episode description

Retirees who want to reduce their taxes in retirement can benefit from strategic conversions and transfers between traditional and Roth IRAs. As Peter with Richon Planning explains to Erin Kennedy identifying those key windows for Roth conversions can lead to significant tax advantages and a bigger nest egg! The top 5 times to consider a conversion are:

1. During Market Downturns

2. Anticipation of Tax Bracket Changes

3. Between Retirement and RMD Age

4. Experiencing a Low Income Year

5. Planning for Your Heirs

Keep in mind, taxes are set to increase at the end of 2025. Now is the time to crunch the numbers and determine if a Roth Conversion is right for you. To walk through the pros and cons, and the tax implications, give Peter a call at (919) 300-5886 or visit www.RichonPlanning.com

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