Converting now would enable you to spread a possible tax hit over more than one payment while reducing future taxes.

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A Roth conversion ladder is a multiyear strategy designed to give you tax-free and penalty-free IRA withdrawals before you reach the standard age (59 ½) for distributions.

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10. A Roth IRA can benefit heirs Unlike traditional IRAs — which you must begin to tap at age 73 — Roth IRAs have no minimum distribution requirements for the original owner.

Converted Roth IRA funds are tax- and penalty-free after five years from Jan. 1 of the year of the conversion. Roth IRA earnings are tax-free after age 59 1/2 and a five-year holding period.