![\"Roth](\"https:\/\/www.europesays.com\/us\/wp-content\/uploads\/2026\/03\/grandparents-holding-envelope-with-hundred-dollar-bills-for-ROTH-IRA-shutterstock_1338544517.jpg\")
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GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services – our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines<\/a> and our products and services review methodology<\/a>.<\/p>\n 20 Years<\/strong> Trusted by<\/strong> Retirement doesn\u2019t always mean lower taxes. In fact, you could be in for the biggest tax bills in your 70s when Social Security benefits and Required Minimum Distributions (RMDs) kick in.<\/p>\n However, there\u2019s a small, often overlooked window that can dramatically reduce those future taxes<\/a>. You can take advantage of this narrow period to move your money out of a traditional retirement account into a Roth<\/a> to save on taxes.<\/p>\n The Year Between Retirement and Before Social Security Benefits Start<\/p>\n The year when you retire and before Social Security begins is the window that many retirees<\/a> miss. This is the time when your taxable income is at its lowest and you have so much flexibility in doing Roth conversions. But many retirees notice this when it\u2019s too late.<\/p>\n<\/p>\n \u201cRoth conversions provide a great opportunity to pay taxes<\/a> when it can be done at the lowest possible rates. The best window for this is for individuals who retire in their 60s and delay claiming<\/a> their Social Security benefits until closer to age 70,\u201d said Wade Pfau, founder of Retirement Researcher<\/a>. \u201cThis may create years with low taxable income, opening up the opportunity to engage in Roth conversions and be better prepared for when RMDs begin<\/a> later in their 70s.\u201d<\/p>\n According to Matt Hylland, financial planner at Arnold and Mote Wealth Management<\/a>, you can optimize Roth conversions by timing the conversions with a year you live off cash savings<\/a>. \u201cMany retirees go into retirement with a large amount of cash. For those that are comfortable spending down their cash, they may be in a position to have little or no income as far as the IRS is concerned and will have ample room in lower tax brackets<\/a> to perform Roth conversions,\u201d he said.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00a9Shutterstock.com Commitment to Our Readers GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We…\n","protected":false},"author":3,"featured_media":287597,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[64,43322,8726,255,618,67,132,68],"class_list":{"0":"post-651324","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-filing","10":"tag-gobankingrates","11":"tag-personal-finance","12":"tag-taxes","13":"tag-united-states","14":"tag-unitedstates","15":"tag-us"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/116218732737902925","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/651324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=651324"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/651324\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/287597"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=651324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=651324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=651324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&quality=75\"){kind=icon}
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