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Level 1
posted Oct 22, 2025 11:45:16 AM

IRA to Roth

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

0 1 340
1 Replies
Employee Tax & Finance Expert
Oct 22, 2025 12:27:52 PM

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.