Roth Conversions

A Roth conversion is the process of moving assets from a traditional IRA into a Roth IRA. This can be done by transferring cash or by moving investment positions directly. The key difference is that amounts converted are included in taxable income in the year of the conversion, but future growth and withdrawals from the Roth IRA are generally tax-free.

Many clients accumulate significant assets in tax-deferred retirement accounts over time. Roth conversions can help balance future tax exposure and create more flexibility in how income is drawn in retirement. This kind of tax diversification—not just asset diversification—can improve long-term outcomes and provide more control over taxes as circumstances change.

We don't evaluate Roth conversions in isolation. We consider your broader financial situation, cash flow, and long-term goals to help determine whether a conversion makes sense, how much to convert, and when to act. We guide you through the trade-offs, help execute the transactions when appropriate, and manage the logistics of moving assets and documenting everything for tax filing. When helpful, we also coordinate with your CPA or accountant to ensure the strategy aligns with your overall tax situation.