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Find an Advisor. Terms and Conditions. The limiting factor for a lot of people though, is having the money outside of a retirement account to pay the taxes on the Roth conversion. While it may seem odd to purposefully drive up your tax bill now, it may help you lower it later. In a way, you are reinvesting your RMD in a lower tax bill. This is a slightly different perspective on Roth conversions than the one we just discussed. It may make sense then to gradually move some of the money in your other retirement accounts into a Roth IRA each year with partial Roth conversions before you reach 72 and have to start taking RMDs.
This same tactic can be used if you plan to retire a little early too.
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