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Slee4405
Level 1
October 22, 2025
Question

IRA to Roth

  • October 22, 2025
  • 1 reply
  • 0 views

Does it make sense tax wise to slowly move my IRA to a Roth when we both retire and begin taking SS?

1 reply

A
Employee Tax & Finance Expert
AmitaREmployee Tax & Finance Expert
Employee Tax & Finance Expert
October 22, 2025

It is a smart move and great financial planning tool to slowing move your traditional nontaxed IRA funds into Roth IRA, especially during years when your income is lower.  By taking this action, you're reducing your future tax liabilities.   Also, if you happen to leave your Roth IRA to your beneficiary, it will be tax-free to your beneficiary.  

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