A closer look Do Roth IRA Conversions Still Make Sense?

Michael S. Rubin

Jul 13, 2021
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In Brief

  • Converting from a traditional IRA to a Roth IRA can offer wealthy individuals a tax-efficient way to leave greater wealth to heirs.
  • While the sizeable up-front tax bill may be an impediment, the benefits of tax-free distributions for beneficiaries in most cases will significantly outweigh the costs, especially over time.
  • With tax rate increases likely for wealthy individuals, holders of traditional IRAs may want to consider converting before tax laws change.



Managing Director and Director of Client Tax Services