With markets bouncing around and tax laws constantly shifting, many investors are asking the big question:
“Should I convert to a Roth IRA right now?”

👉 Watch this short video from Dan Vredeveld, Senior Financial Advisor at Richmond Brothers, to learn how market volatility may create opportunity—and how to know if it’s the right move for you.

Why Consider a Roth IRA?

A Roth IRA can be a powerful tool to generate tax-free income in retirement. Since contributions are made with after-tax dollars, qualified withdrawals are tax-free, and there are no required minimum distributions (RMDs)—giving you more control over your retirement income.

Why Market Volatility Might Be Your Friend

If the market is down, the value of your portfolio may be temporarily lower—meaning:

• You could convert more assets for less in taxes
• Future market rebounds could grow tax-free inside your Roth

But of course, with market uncertainty comes risk—so it’s important to consider how it fits into your bigger financial picture.

When a Roth Conversion Might Make Sense:

✅ You expect to be in a higher tax bracket in retirement
✅ You can pay the conversion taxes using non-retirement funds
✅ You want to minimize RMDs or leave a tax-free legacy
✅ You plan to convert gradually over multiple years to avoid bracket creep

When It Might Not Be the Right Move:

🚫 You expect your tax rate to drop in retirement
🚫 You’d need to dip into IRA funds to pay the taxes
🚫 You want more flexibility in a volatile market

What If You Earn Too Much for a Roth?

There’s still a strategy: the Backdoor Roth IRA. This involves contributing to a traditional IRA, then converting it to a Roth. It’s a great workaround, but it comes with tax implications, so professional guidance is key.

Important: Tax Considerations

Converting to a Roth IRA is a taxable event, and could affect:

• Medicare premiums
• Financial aid eligibility
• Certain deductions

And remember: Under current tax law, Roth conversions are permanent—no do-overs. Make sure you’re working with a financial advisor and tax professional before taking action.

Still Unsure? Let’s Talk.

Not sure if a Roth conversion fits your plan? Let us help you figure it out.

📞 Call us at 517-435-4040 or
💬 Drop a comment below—we’re happy to walk you through a personalized assessment.