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

Two hypothetical examples of Roth conversions made at different times (all at once vs as you age) show a stark difference in what could be left for your beneficiaries.

An older man has a questioning look on his face.
(Image credit: Getty Images)

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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Mike Decker, NSSA®
Author, Wealth Planner and Money Manager, Kedrec LLC

Mike Decker is the author of the book How to Retire on Time, creator of the Functional Wealth Protocol, and the founder of Kedrec, a Registered Investment Advisory firm located in Kansas that specializes in comprehensive wealth planning and management at a flat fee. He specializes in creating retirement plans designed to last longer than you™, without annuitized income streams or stock/bond portfolios. In addition to helping people achieve their financial goals, Decker continues to act as a national coach to other financial advisers and frequently contributes to nationally recognized publications.