To Convert or Not To Convert…That Is The Question!

A tax client asked me: “Should I convert my IRA or retirement plan into a Roth IRA? That is a great question! However, as with any tax questions, it is impossible to have a definite answer when deciding whether to convert a traditional IRA or retirement plan into a Roth IRA.

Hello, this is Noel Dalmacio, your ultimate CPA at lowermytaxnow.

You will generally benefit from the Roth IRA conversion if ALL of the following applies to you:
• You don’t need to take withdrawals from your Roth IRA for at least 15 to 20 years;
• Your future tax rate when you take out withdrawals is the same or greater than the rate during the conversion and
• You can pay the tax on the conversion with non-retirement funds

If you meet all the criteria, congratulations! This is one powerful tax strategy that if you apply correctly, will definitely, build you tax-free wealth!

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Until then, this is Noel Dalmacio, your ultimate CPA at

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Noel Dalmacio, CPA, CFP, MS TAX
30 Corporate Park, Suite 102.
Irvine, CA 92606

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