Roth conversions can create long-term savings for one household, but can trigger higher taxes, Medicare premiums or lost deductions for another.

You have to do the math to figure out your best tax strategy in retirement, and converting might not be for you.

A single filer with $1.6M in a 401(k) can convert $43,000 annually into a Roth IRA at 12%, totaling $344,000 before RMDs begin at 73. Skipping conversions lets the account grow to $2.55M by 73, ...

Moving to a no-income-tax state before converting a $250,000 IRA to a Roth can eliminate up to $21,000 in state taxes. Roth conversions must be timed carefully, as converted funds are taxed as ...