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As federal income tax rates remain near historic lows, one of the most common questions we hear at IRSProb.com is:
“Should I do a Roth IRA conversion in 2025?”
The answer depends on your personal financial picture, but under the right conditions, a Roth conversion can be a powerful way to build a tax-free retirement future. Our team at IRSProb.com helps clients evaluate this decision with precision, modeling the short- and long-term tax impacts to determine whether a conversion makes sense.
A Roth IRA conversion means transferring assets from a Traditional IRA or another pre-tax retirement account into a Roth IRA. This process turns future taxable withdrawals into tax-free income, but it does require paying taxes on the converted amount in the year of the transfer.
At IRSProb.com, we help our clients plan ahead so they don’t get blindsided by the tax bill, and so they can maximize long-term gains.
We regularly guide individuals through the benefits of converting, which include:
- Tax-Free Growth: Once in a Roth IRA, your money grows completely tax-free.
- Tax-Free Retirement Income: Qualified withdrawals are not taxed, helping you preserve more of your retirement nest egg.
- No Required Minimum Distributions (RMDs): Unlike traditional accounts, Roth IRAs are not subject to RMDs during your lifetime.
- Tax-Free Inheritance: Your beneficiaries can inherit your Roth IRA tax-free, making it a smart estate planning move.
One of the biggest reasons our clients are exploring Roth conversions now is the sunset of the Tax Cuts and Jobs Act (TCJA). When these temporary tax cuts expire in 2026, income tax rates are expected to rise. That means 2025 may be your final opportunity to convert at today’s lower rates.
At IRSProb.com, we’re helping clients:
- Convert strategically to stay within favorable tax brackets
- Lock in current rates before scheduled increases
- Shift toward more predictable, tax-free income in retirement
When a Roth IRA Conversion Is the Right Move
We’ve seen clients save tens of thousands of dollars in lifetime taxes by converting at the right time. Scenarios where it often makes sense include:
Lower Income Years: Ideal for clients between jobs, in early retirement, or with deductible losses
Longer Time Horizon: Younger individuals benefit from decades of tax-free growth
Estate Planning: High-net-worth individuals use conversions to reduce future tax burdens on heirs
Rising Tax Forecasts: Clients expecting income or rates to rise in future years
When a Conversion Might Not Be Ideal
At IRSProb.com, we don’t recommend Roth conversions blindly. In some cases, it may be better to hold off, especially if:
- You’ll be pushed into a much higher tax bracket by the conversion
- You need to use IRA funds to pay the tax bill (which reduces the benefit)
- You’re near retirement and will soon need to withdraw the funds
The conversion would impact ACA subsidies or increase Medicare premiums
Each client’s situation is different—which is why we never recommend converting without a personalized tax model.
We don’t guess at IRSProb.com. We analyze. Using comprehensive tax modeling tools, our team provides clarity on:
- The optimal amount to convert each year
- The total tax impact based on your income, deductions, and brackets
- The long-term benefits for both retirement income and legacy planning
- Strategies like multi-year conversion ladders to spread out tax hits
A Roth IRA conversion isn’t just a tax decision—it’s a strategic financial move that can dramatically impact your retirement and your estate. If you believe taxes are going up, or you simply want more control over your income in retirement, now is the time to evaluate your options.
At IRSProb.com, our team specializes in helping clients make confident, informed choices with their retirement accounts. We offer:
