The role of a Roth IRA conversion in your plan

To lower the taxes you pay in retirement. Because money deposited in a Roth is from after-tax income, you don’t pay income tax when you withdraw the funds in retirement.

Is a Roth IRA conversion for you?

If you pay the taxes on the converted amount now, you’ll watch your money grow tax-free for longer and enjoy tax-free withdrawals in retirement. While traditional IRAs require minimum distributions at age 72, in a Roth, you are not required to take any distributions during your lifetime, allowing you to leave a tax-free inheritance to your beneficiaries.


Beneficiary IRAs must be closed out in 10 years. Distributions from a Roth Beneficiary IRA are not taxable events.

Why United Wealth Management

We’re always striving to do right by you—to educate, empower and guide you to a more prosperous future. These tools with our guidance go a long way.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

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Gather financial statements and start a list of your current and future financial goals.
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As your wealth management partner, we’re united in our mission to help you pursue your financial goals.

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Education and tools

A few simple resources, like market information and calculators, can make managing your money so much easier.