Most people think about Roth conversions the way they think about flossing. They know it is probably a good idea, they have heard the term, and they keep putting it off because it feels complicated and there is no urgent deadline forcing the decision. But there is a window in most people's financial lives when a Roth conversion does its best work, and missing that window can mean paying meaningfully more tax over a lifetime than necessary. ## What a Roth Conversion Actually I

A practical, educational guide for pre-retirees on how common retirement accounts are taxed—plus simplified case studies showing how planning choices can change outcomes.