Roth Conversions: A Primer
By David Okonkwo, Senior Financial Planner, CFP®
A Roth conversion moves money from a pre-tax retirement account into a Roth account, triggering ordinary income tax on the converted amount today in exchange for tax-free growth and withdrawals later.
Conversions tend to make the most sense in years when your income — and therefore your tax bracket — is temporarily lower than it will be in the future, such as early retirement before Social Security and required minimum distributions begin.
Conversions are not universally beneficial, and the math depends heavily on your specific tax situation, time horizon, and estate goals. This is general educational information, not a recommendation to convert — please discuss your specific situation with your advisor before acting.
This content is for informational purposes only and does not constitute personalized investment, tax, or legal advice. It is not a recommendation to buy or sell any security. Past performance is not indicative of future results, and all investments involve risk, including possible loss of principal. Meridian Capital Partners is a fee-only fiduciary; please see our Form ADV Part 2A for a full description of our services and fees.
David Okonkwo
Senior Financial Planner, CFP® at Meridian Capital Partners.