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I'm 65 With $750K in an IRA and Started Taking Social Security. Is It Too Late for a Roth Conversion?

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Summary
Nutrition label

80% Informative

A Roth IRA conversion involves moving funds from a pre-tax IRA into an after-tax Roth IRA account.

You pay income tax on the money that gets converted now, but future withdrawals in retirement come out tax-free.

Spreading conversions over multiple years often makes the most financial sense for larger IRAs.

Meeting with a financial advisor can provide clarity on complex moves like Roth conversions.

At 65 or any age, limiting Roth conversions to small chunks spread over years offers flexibility.

As with most money moves in retirement, prudently assessing your multi-year tax picture first is key.

Keep an emergency fund on hand in case you run into unexpected expenses.

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VR Score

77

Informative language

73

Neutral language

53

Article tone

informal

Language

English

Language complexity

44

Offensive language

not offensive

Hate speech

not hateful

Attention-grabbing headline

not detected

Known propaganda techniques

not detected

Time-value

long-living

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