Many investors understand the basics of a Roth conversion. You pay taxes on money moved from a traditional IRA or 401(k) today so those funds can grow tax-free and potentially reduce future Required Minimum Distributions (RMDs).

The difficult question isn’t what a Roth conversion is, it’s when to do one.

The perfect year for a Roth conversion isn’t determined by the stock market or a calendar date. It’s determined by your unique tax situation. Here are the key factors that can help you identify whether this year is your best opportunity.

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This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures