Articles on Converting to a Roth IRA

Here are a number of articles that I found on the net that discuss the pros and cons of converting a traditional IRA to a Roth IRA.

  • April 4, 2010.  “The Debate Goes On: To Roth or Not to Roth?” – InvestmentNews:  “For the superwealthy, conversion is a slam-dunk; others should be more careful.  The following is an edited transcript of an webcast held in New York on March 9.  . . . To listen to the archive of the webcast, visit and click ‘View archive’.”  One of the panelists was Ed Slott, the renowned IRA expert.
  • March 21, 2010.  “Many Wealthy Investors Reluctant to Do Roth IRA Conversions” – InvestmentNews:  “Many are ideal candidates, but they also face biggest tax bills.  Mutual fund companies are reporting a brisk business in Roth IRA conversions as a result of a change in the tax law, but there is one segment of the public that is decidedly cool to the idea, even though their financial advisers are urging them to take the plunge.  Wealth advisers said that a lot of their clients, many of whom would benefit […]
Articles on Converting to a Roth IRA2018-05-13T13:58:53-07:00

Rothify Your 401(k)

Forbes:  “Got an ex-employer retirement account sitting around? You can convert it–and maybe your current 401(k), too–into a Roth IRA.  Are you one of the 15 million Americans who has a 401(k) left behind with an ex-employer? Alternatively: Does your current company allow you to make “in-service” rollovers from its 401(k) to an individual retirement account? (Most employers do allow such rollovers for workers 59.5 or older, and a minority allow them for younger workers.)  Either way, you may have a tax-saving option you haven’t heard about: converting an old 401(k) or part of a current one into a Roth IRA.”

Rothify Your 401(k)2017-09-10T15:55:51-07:00

Roth Conversion Shenanigans

Forbes:  “Sure it might make sense to take the tax hit now and get into a Roth IRA, but don’t blindly trust what your broker suggests.  Much has been written about Roth conversion opportunities in 2010. It seems every product manufacturer and annuity pitchman in the country is recommending some variation of a Roth conversion strategy. Many such schemes, which masquerade as advice, are but hollow mockeries designed to line the pockets of product manufacturers, their salesmen, and the U.S. Treasury. Legitimate Roth conversion strategies do exist, but they are the exception rather than the rule.”

Roth Conversion Shenanigans2017-09-10T15:55:21-07:00

Five Reasons Not To Convert To A Roth IRA

Forbes:  “Will your tax rate be lower in retirement? Do you plan to spend all your savings? Think twice about a conversion.  In recent months, you’ve probably heard a lot about the benefits of converting traditional pre-tax individual retirement accounts into Roth IRAs. But here’s something you may not have heard: Many taxpayers should run, not walk, from a Roth conversion.”

Five Reasons Not To Convert To A Roth IRA2018-05-13T13:58:55-07:00

The Roth Conversion Question

Forbes:  “Come Jan. 1 anyone can convert a traditional IRA into a Roth IRA. Not everyone should. Here’s help deciding if the strategy fits you.  Next year all taxpayers will be allowed to convert their traditional individual retirement accounts into Roth IRAs, . . . Conversions are complicated and make sense only for certain taxpayers. Even those who might reap big benefits from converting have to overcome a natural aversion to paying taxes sooner than needed.”

The Roth Conversion Question2017-09-10T16:04:58-07:00
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