RetirementRoth·May 14, 2026
Roth Conversions in Your 60s: A Tax-Saving Playbook
The window between retirement and RMDs is golden for Roth conversions. Here's how to do it without spiking your taxes.
Why the 60s window is unique
Between retirement and the start of RMDs at 73, many retirees have their lowest taxable income in decades. That's the cheapest time to convert traditional IRA dollars to Roth.
Bottom line
For most retirees with $500k+ in traditional IRAs, converting $50k–$120k per year through your 60s can save six figures in lifetime taxes.