Help Center
Roth Conversion FAQ
Common Roth conversion questions answered: timing mistakes, tax rate scenarios, the case for late-life conversions, asset thresholds, and how Model Q® differs from generalist advisors.
Doing a single large conversion in the wrong year — usually a year with high ordinary income or before the lowest-income "conversion window" between retirement and age 73 (when RMDs begin).
Not necessarily. A conversion may still be worth discussing for legacy planning (qualified distributions to heirs of a Roth IRA are generally not taxed if IRS rules are met, compared with income tax on Traditional IRA withdrawals) and for a surviving spouse who may face higher single-filer tax brackets.
Would you rather pay taxes on the seed or on the harvest? A conversion pays tax on today's balance at today's rates, and qualified Roth withdrawals later may not be taxed if IRS rules are met. Whether that trade-off makes sense depends on your future tax rates and situation.
A generalist typically runs one-year projections. Model Q® runs the math across your full retirement horizon and coordinates the conversion with the other strategies to offset the conversion tax — something DIY calculators can't model.
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