Roth Conversions

These pages are part of our free online Guide to Roth Retirement Accounts. This section deals with converting a traditional retirement account to a Roth account.

Our book: Go Roth! provides a complete, authoritative, plain language explanation of rules and strategies for all types of Roth accounts.

Special report

Isolating Basis for a Roth Conversion
If you have after-tax dollars in your IRA or 401k account, you might wonder if there’s a way to isolate those dollars so they can be converted to a Roth IRA, tax-free. Simply moving the after-tax dollars to a Roth won’t work, but there are strategies that may do the trick.

Guidance on Roth conversions

Conversion Preliminaries
Initial thoughts on converting a traditional IRA to a Roth IRA.

Conversion Eligibility
Details on eligibility to convert a traditional IRA to a Roth IRA.

Partial Conversion
Why you might want to consider a partial conversion of your traditional IRA to a Roth IRA.

Conversion Consequences
Answers to questions about the consequences of converting a traditional IRA to a Roth IRA.

How Much Conversion Tax?
Determining how much tax you’ll pay if you convert a traditional IRA to a Roth IRA.

Source of Funds for Tax on Conversion
Think carefully about where the money will come from to pay tax on converting a traditional IRA to a Roth IRA.

Periodic Payments and Conversions
Converting a traditional IRA to a Roth IRA when you’re taking substantially equal periodic payments.

Post-Retirement Roth Conversion
It can make sense to convert a traditional IRA to a Roth IRA even after retirement.

Regulation Spikes Annuity Abuse
An August 2005 regulation addresses the use of annuities in converting a traditional IRA to a Roth.