A Roth conversion can be a powerful tool for managing your retirement income and preparing for future tax changes. By converting funds from a traditional IRA into a Roth IRA, you pay taxes now, but the long-term benefits can be significant: Tax-Free Withdrawals: Once your funds are in a Roth IRA, all future withdrawals are tax-free, as long as the account meets the requirements. No Required Minimum Distributions (RMDs): Roth IRAs allow your money to keep growing tax-free without the need to withdraw funds at a certain age. Estate Planning Benefits: Roth IRAs can be passed on to heirs, offering potential tax advantages for your beneficiaries. This strategy can be especially useful if you’re currently in a lower tax bracket or if you want to prepare for possible tax increases in the future. Roth conversions aren’t one-size-fits-all, though—it’s important to work with a financial advisor to ensure this approach aligns with your overall financial goals.