Roth conversion strategy for freelancers
A Roth conversion moves pre-tax retirement savings into a Roth account. The money is taxed today but grows and withdraws tax-free. The decision is driven by one comparison — your current tax rate versus your expected retirement tax rate — but the real-world implications reach further than that comparison into RMDs, Medicare premiums, and estate planning.
This guide covers the mechanics, the strategies, and the situations where a conversion is and is not worth it for a self-employed person.
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