Roth conversions are a powerful retirement tool, but timing is everything. Do them at the wrong time or tax rate, and you could end up worse off than leaving the money in your Traditional IRA. Discover the guiding principles for getting it right, how to find the tax bracket "sweet spots," and how to avoid costly hidden complications like Medicare IRMAA surcharges, NIIT, and the Widow's Tax Trap. Learn how to ensure the tax math always works in your favor.
