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Kiplinger
Kiplinger
Business
Mike Decker, NSSA®

Roth Conversions: Convert Everything at Once or as You Go?

IRA Social Security
An older man has a questioning look on his face.

For many Americans, taxes will most likely be one of their largest expenses in retirement. With some provisions in the Tax Cuts and Jobs Act coming to an end in 2025, there seems to be an additional emphasis on getting your IRA to Roth conversions done before “it’s too late.”

Even though IRA to Roth conversions may be more effective now than in future years, it begs the question, “How much?” Is it possible to convert too much? If so, how could that hurt your retirement? What risks would you take if you didn’t do any IRA to Roth conversions?

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