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:
➡ Your current vs. future tax bracket.
➡ Where the funds to pay the taxes will come from.
➡ How long until you’ll need the money.
➡ Impact on Social Security and Medicare premiums.
➡ They expect higher taxes in the future.
➡ They want tax-free income in retirement.
➡ They’d like to leave tax-free assets to heirs.
➡ They want to reduce Required Minimum Distributions (RMDs) later.
Why People Consider a Roth Conversion
What to Weigh Before Converting
➡ You’ve got a lower-income year or business dip.
➡ You’re already maxing out your 401(k) or IRA.
➡ You expect to live off other income sources in retirement.
➡ 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.