Let’s face it we don’t know what taxes will be in the future, and we all want to pay less in taxes. So a decision to convert IRA dollars to ROTH IRA dollars takes some planning and tax forecasting. The answer is how old are you, what is your current income sources, what does your tax return look like, what will your tax return look like if we do a conversion? Do you have funds outside of the IRA to pay a tax bill? We utilise the best tax software available to look at all of the options so that you can make an educated decision. This is definitely a topic we discuss with each client!