Retirees can convert traditional IRAs to Roths at low tax rates
Retirees have an 11-year window to convert traditional IRAs to Roths at lower tax rates.
The window begins when a worker retires and ends when Required Minimum Distributions start at age 75.
During this period, taxable income drops, and many fall into the 12% or 22% federal bracket.
A married couple filing jointly stays in the 12% bracket up to $100,800 of taxable income and in the 22% bracket up to $211,400.