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FORT MYERS, FL, UNITED STATES, June 18, 2025 / EINPresswire.com / -- OnPointe Software is revolutionizing Roth conversions with the launch of its Roth IRA Conversion Calculator.

Is it wise to start converting my 401(k) into an IRA (and then Roth) by 10% per year in order to avoid having to claim too much income each year when converting and also avoid RMDs as much as I can?

Roth IRA Conversions: A Strategic Move Roth IRA contributions come from after-tax dollars, so withdrawals in retirement are tax-free after age 59½, as long as the account is at least five years old.

Although you pay taxes on the conversion when you make it, during the Golden Window, your tax rate is likely relatively low — and future withdrawals from the Roth account will be tax-free.