Roth Conversion Decisions: Key Questions Before You Convert (2025)

Converting traditional retirement accounts into a Roth IRA can be a powerful strategy—but it’s not right for everyone. This visually engaging guide, “Roth Conversion Decisions,” simplifies the complex choices surrounding Roth IRA conversions into an approachable, art-deco-inspired visual checklist. The design draws you in with rich teal, gold, and cream tones, while helpful icons highlight the financial, tax, and timing factors that matter most.

This graphic is designed for clients considering whether a Roth conversion fits into their broader retirement plan. At its core, Roth conversions involve paying taxes now in exchange for tax-free withdrawals later. That tradeoff depends on your current and expected future tax brackets, your timeline to retirement, your ability to pay taxes from non-retirement funds, and your estate planning goals.

This piece is especially valuable for individuals nearing retirement or expecting a temporary dip in taxable income—ideal timing for a partial or full conversion. It’s also relevant for those concerned about rising future tax rates or who want to reduce Required Minimum Distributions (RMDs) in retirement.

Advisors can use this visual in client meetings, financial workshops, or digital newsletters to guide thoughtful conversations. Paired with personalized advice, this resource helps investors weigh both the short-term tax impact and the long-term financial benefits of Roth strategies.