A Roth IRA conversion can be a powerful way to move from tax-deferred savings to tax-free growth. It offers flexibility in retirement, eliminates required minimum distributions, and can strengthen estate planning.

But it isn’t for everyone. Conversions create a tax bill in the year they’re made, and depending on your income, the timing may or may not make sense. Because the decision is irreversible, it’s important to consider your age, tax bracket, and long-term goals before moving forward.

If you’re wondering whether this strategy fits into your plan, let’s run the numbers together and see if it makes sense for your situation.