Is a Roth Conversion Right For You?

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What's Inside:


Roth Conversion
Decision Flowchart


When You Should
Consider a Roth Conversion


When You Should
Avoid a Roth Conversion


What is a Roth Conversion?

A Roth conversion refers to the process of converting some or all of your pre-tax retirement account balances into after-tax balances using a Roth account. Roth conversions trigger income taxes on the amount transferred, potentially raising your current year tax brackets and impacting other aspects of your tax planning. Given the implications of a Roth conversion, proper analysis should be done with regard to the timing and amount before any action is taken.

How Can McLean Help Me With a Roth Conversion?

The decision to perform a Roth conversion is based on many factors. Without proper analysis, you could inadvertently incur higher taxes or restrict access to income-based programs. Given all of the moving parts, it is helpful to have a financial professional review your tax returns and overall financial plan to identify tax planning opportunities that make sense for you.

McLean incorporates tax planning into its financial planning and wealth management services for clients. We can provide a second opinion and help you determine whether a Roth conversion makes sense in the context of your entire financial plan.

It's not what you make, but what you keep.

McLean Asset Management Corporation (“MAMC”) is a SEC-registered investment adviser. MAMC only transacts business in states where it is properly registered or excluded or exempt from registration requirements. The information provided herein is for educational purposes only and should not be construed as investment advice and does not intend to make an offer to sell or a solicitation of an offer to buy or sell securities. It is not intended to provide specific legal, tax, or other professional advice. Investments involve risk and unless otherwise stated, are not guaranteed. Although Information has been obtained from sources deemed to be reliable, we make no guarantee as to the accuracy or completeness of this data. MAMC shall not be liable for any errors or omissions, or for any actions taken in reliance thereon. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.