{"id":2150,"date":"2012-03-10T20:14:43","date_gmt":"2012-03-11T03:14:43","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=2150"},"modified":"2012-03-11T17:17:26","modified_gmt":"2012-03-12T00:17:26","slug":"should-i-convert-my-ira-to-a-roth-ira","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/","title":{"rendered":"Should I convert my IRA to a Roth IRA"},"content":{"rendered":"<h2><strong><br \/>\nRoth IRA Conversion<\/strong><\/h2>\n<p>If you have existing retirement assets in a traditional IRA, you may want to consider converting those assets to a Roth IRA.<br \/>\nPossible benefits of converting include tax-free distributions at retirement, no required minimum distributions at age 70 \u00bd, and leaving income tax-free assets to your heirs in the event of your death.<\/p>\n<p>&nbsp;<\/p>\n<p>While Roth conversions are not subject to early distribution penalties, they are subject to income tax.<\/p>\n<p>Any earnings distributed prior to age 59 1\/2 would be subject to penalty and tax.<\/p>\n<p>Your tax-free potential is maximized if you pay the taxes from your current income or personal savings, not your IRA.<\/p>\n<p>Make sure you have the cash to pay the taxes required to convert to a Roth IRA.<\/p>\n<p>Assets converted to a Roth IRA must be invested for at least five years before taking distributions or a significant income tax penalty may apply.<\/p>\n<p>For tax years starting in 2010, the $100,000 modified AGI limit for conversions to Roth IRAs is eliminated and married tax payers filing a seperate return can now convert amounts to a Roth IRA.<\/p>\n<p><em>American Retirement Advisors provides general information only and it is not to be construed as tax, legal, or investment advice.\u00a0 Although the information is believed to be reliable, please note that individual situations can vary.\u00a0 Always seek professional advice before making any\u00a0tax, legal, or investment decisions.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Roth IRA Conversion If you have existing retirement assets in a traditional IRA, you may want to consider converting those assets to a Roth IRA. Possible benefits of converting include tax-free distributions at retirement, no required minimum distributions at age 70 \u00bd, and leaving income tax-free assets to your heirs in the event of your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13,15],"tags":[18,20,19,21],"class_list":["post-2150","post","type-post","status-publish","format-standard","hentry","category-investments","category-savings","tag-ira","tag-roth-conversion","tag-roth-ira","tag-traditional-ira"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I convert my IRA to a Roth IRA<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Schaeffer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/\"},\"author\":{\"name\":\"David Schaeffer\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\"},\"headline\":\"Should I convert my IRA to a Roth IRA\",\"datePublished\":\"2012-03-11T03:14:43+00:00\",\"dateModified\":\"2012-03-12T00:17:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/\"},\"wordCount\":234,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"keywords\":[\"IRA\",\"Roth conversion\",\"Roth IRA\",\"traditional IRA\"],\"articleSection\":[\"Investments\",\"Savings\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/should-i-convert-my-ira-to-a-roth-ira\/\",\"name\":\"Should I convert my IRA to a Roth IRA\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"datePublished\":\"2012-03-11T03:14:43+00:00\",\"dateModified\":\"2012-03-12T00:17:26+00:00\",\"description\":\"American Retirement Advisors, David P. 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