Roth IRA Conversion Bracket Bumping

The short story here is that you can convert your IRA to Roth IRA*.  What escapes conversations about converting to Roth IRA is that you don’t have to convert your entire IRA.  You can have strategies to convert portions.  We can use, for a fee, tax planning software to convert just enough to keep you from crossing into the next tax bracket.

When doing a conversion you can even convert specific assets within your IRA.  That is if you have a particular stock you want to keep, you can move that stock at today’s value to a Roth IRA.  You will pay tax on today’s market value.  You won’t pay any penalties so long as you pay the taxes from a non-IRA account.

Other Posts will follow

We’ll pick this up later with more information and details.  Check back for more posts

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*There are many scenarios to consider when evaluating converting to a Roth IRA.  This is just the tip of the iceberg.  Please contact us or another highly trained Ed Slott Elite advisor

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