Haddon Township NJ 08108 609-332-4918 JSilvagni@MauiWealthSolutions.com .
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Is a Roth Conversion Right for You?
Converting to a Roth IRA can be a smart long-term tax strategy — but it’s not one-size-fits-all.
Here are a few things to think about before diving in:
âž¡ Your current vs. future tax bracket.
âž¡ Where the funds to pay the taxes will come from.
âž¡ How long until you’ll need the money.
âž¡ Impact on Social Security and Medicare premiums.
âž¡ They expect higher taxes in the future.
âž¡ They want tax-free income in retirement.
âž¡ They’d like to leave tax-free assets to heirs.
âž¡ They want to reduce Required Minimum Distributions (RMDs) later.
Why People Consider a Roth Conversion
What to Weigh Before Converting
âž¡ You’ve got a lower-income year or business dip.
âž¡ You’re already maxing out your 401(k) or IRA.
âž¡ You expect to live off other income sources in retirement.
âž¡ You’re planning ahead for tax diversification.
When a Roth Conversion Might Make Sense
Ready to See the Numbers?
Our calculator helps you compare your current path vs. a Roth conversion — using your own inputs.
It’s free, simple, and private.