Why Convert
The tax code today is not the one you'll retire into.
Federal brackets, deficits, and demographics have all shifted. Most retirees with large Traditional IRAs are sitting on a tax bill that compounds every year they delay.
Traditional IRA vs. Roth IRA
| Feature | Traditional IRA | Roth IRA |
|---|---|---|
| Tax treatment of growth | Taxable on withdrawal | 100% tax-free |
| Required Minimum Distributions | Forced at age 73+ | None, ever |
| Future tax-rate risk | Bet against unknown future rates | Lock in today's known rates |
| Widow's tax trap protection | Full exposure | Eliminated |
| Tax-free legacy to heirs | Inherited IRA fully taxable | 10-year tax-free window |
| Tax owed on the strategy | — | Today's bracket, on your schedule |
TCJA sunset risk
The 2017 tax cuts are scheduled to expire after 2025. Converting now lets you pay tax at brackets that are codified into law — not at whatever Congress writes next.
RMD relief
Roth IRAs are exempt from Required Minimum Distributions during your lifetime. You decide when to take income — not the IRS — which means full control over your tax bracket.
Tax-free legacy
Roth assets pass to your heirs free of federal income tax. A converted Roth turns an inherited tax burden into an inherited tax-free windfall.
See what this means in your numbers.
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