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Individuals with tax-deferred retirement savings qualified accounts (e.g., 401k or Traditional IRA)
If planning on significant charitable contributions from qualified accounts, Roth conversions may not be wise
If the investment amount, tax bracket, and investment growth are the same now and later, your after-tax outcome is effectively identical whether you convert today or in the future.
Roth dollars provide added flexibility in future tax planning—allowing planning taxable income more strategically.
Roth conversions can create certainty by locking in tax rates
Roth conversions can be compared to longevity insurance because Married Filing Jointly tax brackets are lower than Single tax brackets
Having at least one year of expenses in Roth money allows coverage of cash needs without triggering taxable withdrawals
Simplify retirement planning in case of cognitive decline
Simplify planning for surviving non financial spouse
Simplify planning for beneficiaries
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