SHEARWATER CAPITAL

We provide expert guidance on whether a Roth conversion makes sense for you, and if so, when to implement it for the greatest benefit. A Roth conversion allows you to move assets from a traditional IRA, 401(k), or 403(b) account into a Roth account, paying taxes today in exchange for tax-free growth and withdrawals in the future. For physicians, this strategy can be especially powerful during lower-income years, early retirement, or before required minimum distributions (RMDs) begin. By thoughtfully timing conversions, you can potentially lower your lifetime tax liability and create a larger pool of tax-free assets for retirement and estate planning.