Your Guide to Roth Conversions

What you don't know about converting money from your traditional IRA to a Roth IRA could cost you – or your beneficiaries – dearly.  Here are just three common misconceptions.

• Converting money from a traditional IRA to a Roth IRA is a sure way to reduce your federal income tax. (Not always.)
• Roth IRAs can grow tax-free forever, withdrawals are never required. (It depends.)
• Converting money to a Roth IRA has nothing to do with your Medicare or Social Security benefits. (Actually, it matters a great deal.)

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