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Kiplinger
Kiplinger
Business
Beau Henderson, RICP®, NSSA®, CFF®, BFA™

Tactical Roth Conversions: Why 2025-2028 Is a Critical Window for Retirees

An older couple work on paperwork at their kitchen table.

If you're in or nearing retirement, a Roth conversion might be the most powerful tool you're not using — or not using correctly.

A Roth conversion done right can dramatically lower your lifetime tax bill, preserve your income flexibility, even protect your surviving spouse from costly tax burdens.

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