When To Rollover Traditional IRA To Roth IRA?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   This is really a tax question. You should consult with a tax advisor. However, the basic principle is that you want to pay taxes when you are in the lowest possible tax bracket. This could be in anticipation of increasing tax brackets or a year in which you have many deductions or little income. Pay the tax in the low year by converting an IRA to a Roth IRA and then later withdraw from the Roth IRA without any tax due.

   Answered on December 10, 2014

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