Our Guide to Roth Conversions
Download The Guide Here.
Most retirement plans are built to accumulate assets. Very few are built to distribute them intentionally.
At Greenwing Wealth, we know that strategic planning can help individuals and families make sense of their finances and move forward with confidence.
A Roth IRA conversion is one way we help clients bring structure and intention to their retirement plans. When used intentionally, it can support flexibility, manage taxes over time, and help preserve more of what you’ve built.
This guide is designed to help you understand how Roth conversions fit into a broader retirement strategy and why timing and planning matter. More than anything, it’s meant to give you confidence that there is a clear path forward.
If you’d like to talk through how these ideas apply to your own retirement, I’d invite you to reach out or schedule a conversation at any time.
Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.