You’ve probably heard plenty about Roth conversions—but does doing one before retirement actually make sense for you? The answer depends on much more than simply moving money from one retirement account to another. Taxes, timing, future income, and your overall retirement plan all matter.
In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explain how Roth conversions work, why taxes require timing, and what should be considered before making the decision.
You’ll discover:
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Why timing can make a difference with a Roth conversion
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How partial and multi-year conversions may work
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Why future RMDs should be part of the decision
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How conversions can affect Medicare premiums, Social Security taxation, and capital gains
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When a Roth conversion may not make sense
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Why today’s tax bill needs to be weighed against your future tax picture
A Roth conversion isn’t simply a tax move—it’s a decision that should fit into your larger retirement strategy.
Date Recorded: 9/03/26
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