iagram of a Roth conversion moving money from a traditional IRA to a Roth IRA, with taxes paid at conversion in exchange for tax-free growth and withdrawals

If you’ve recently retired, you may be sitting in the lowest tax brackets you’ll see for the rest of your life. The paychecks have stopped. Social Security may not have started. Required withdrawals from your IRA are still years away. For a lot of DFW retirees, that stretch is the