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6 Things to Know About Roth IRA Conversions

Roth conversions can be an effective strategy for managing your taxes in retirement, but only in the right situations.

By Matthew Frankel, CFPUpdated Dec 3, 2025 at 8:56 AM

Key Points

  • You'll owe taxes on the converted amount, calculated at your current marginal tax rate.
  • Roth conversions suit those anticipating higher tax rates in retirement.
  • Income limits for Roth IRA contributions don't restrict Roth conversions.

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