Free Roth conversion matching service
We help IRA and 401(k) holders navigate Roth conversions — finding the best timing, minimizing your tax hit, and matching you with exclusive marketplace bonuses.
Get Matched — Free
Tell us about your account and we'll connect you with a vetted Roth conversion specialist — for free. No pressure, no obligations.
Takes 2 minutes — we'll connect you with a vetted specialist and check for available bonuses.
A vetted Roth specialist will reach out within 1 business day to discuss your conversion options.
Marketplace Bonuses
These custodians are currently offering cash bonuses when you transfer or roll over your retirement account into a Traditional or Roth IRA. Verified offers as of August 2026.
Earn an uncapped 1% match on assets transferred or rolled over into a Robinhood Traditional or Roth IRA — no Robinhood Gold required. Gold members also earn 3% on new annual contributions. Funds must stay 5 years.
Roll over an old 401(k) into a SoFi Invest Traditional or Roth IRA through Capitalize and earn a 1% match on the rollover amount. Funds must remain in the account for 5 years.
Webull Premium members ($40/year) earn a 3% match on Traditional or Roth IRA transfers and 401(k) rollovers, paid out over 5 annual installments. All IRA holders also earn a 3.5% match on new annual contributions.
* Offers verified as of August 2026. Terms, eligibility, and availability subject to change. RothRightNow is not affiliated with these providers and does not guarantee bonus outcomes. Converting pre-tax funds to a Roth IRA is a taxable event regardless of any bonus received.
Why Convert
A Roth conversion is one of the most powerful tax-planning moves available to retirement savers — here's why.
Once converted, your investments grow completely tax-free. Qualified withdrawals in retirement — including all earnings — are never taxed again.
Traditional IRAs force you to withdraw (and pay taxes on) money starting at age 73. Roth IRAs have no RMDs — your money can grow on your schedule.
Many experts expect tax rates to rise. Converting now means paying today's rates on money that could be taxed at much higher rates later.
Traditional IRA withdrawals count as income and can trigger IRMAA surcharges on Medicare premiums. Roth withdrawals don't — potentially saving thousands per year.
Roth IRAs are one of the best assets to leave heirs. Beneficiaries inherit tax-free growth and, in most cases, tax-free withdrawals.
Roth contributions (not earnings) can be withdrawn at any time without penalty. This flexibility makes a Roth both a retirement account and an emergency backstop.
Is This Right For You?
Conversions aren't one-size-fits-all. Here are the situations where they tend to make the most sense.
A gap year, career change, or early retirement can mean lower taxable income — a prime window to convert at reduced rates.
The longer your time horizon, the greater the benefit. Converting at 50 gives you 20+ years of tax-free compounding.
Large balances mean larger future RMDs and potentially massive estate tax issues. Converting systematically can reduce both.
Paying conversion taxes from a taxable account (not the IRA itself) maximizes the value of the conversion significantly.
If your retirement income will push you into a higher bracket — pensions, Social Security, rental income — converting now often wins.
Roth accounts are among the most tax-efficient assets to transfer. Beneficiaries receive them without the income tax burden of traditional IRAs.
Conversion Estimator
Estimate the long-term value of converting — and how much you could save in taxes over time.
* Illustration only. Not financial advice. Actual results vary — we recommend speaking with a qualified tax professional.
How It Works
We handle the complexity so you don't have to.
Share a few details about your accounts and goals. No commitment, no obligation.
We review your information and connect you with a vetted Roth conversion specialist from our network.
We scan the current marketplace to identify any custodian bonuses or promotions you may qualify for.
Your matched specialist handles the paperwork, transfers, and any questions along the way.
By The Numbers
The numbers behind one of retirement planning's most powerful strategies.
Traditional IRAs force withdrawals starting at age 73 — whether you need the money or not. Roth IRAs have none, so your savings grow on your schedule.
Roth IRA assets have grown dramatically as more investors recognize the long-term value of tax-free retirement income.
The 2017 Tax Cuts and Jobs Act provisions are set to expire, potentially pushing rates higher — making conversions more valuable today than tomorrow.
Get In Touch
We're here to answer your questions — no pressure, no obligation.
Get instant answers about Roth conversions, available bonuses, and how our free matching service works. We're online now.
Book a free 30-minute intro call and we'll match you with the right specialist. Choose a time →
hello@rothrightnow.com — we respond within 1 business day.
Not ready to commit? That's fine — leave your email and we'll send you our free guide: "The 7 Roth Conversion Mistakes That Cost Investors Thousands."
Frequently Asked Questions
Yes. RothRightNow is a free matching service. We never charge you to use it — we're compensated by the specialists and custodians we work with, not by you.
Our matching process takes about 2 minutes, and a specialist typically reaches out within 1 business day. The actual conversion transfer usually takes 5 to 10 business days once you and your specialist have agreed on a plan.
Yes. The amount you convert is added to your taxable income for that year. Strategic timing — like converting in a lower-income year or spreading conversions across multiple years — can help minimize the tax impact. Consult a tax advisor about your specific situation.
No. Unlike direct Roth IRA contributions, which have income limits, Roth conversions are available to anyone with an eligible account, regardless of income.
We work with Traditional IRAs, 401(k)s (former-employer accounts, and current-employer accounts if the plan allows in-service rollovers), SEP-IRAs, and SIMPLE IRAs (2+ years old).
No. We're a free matching and educational service, not a registered investment advisor, broker-dealer, or tax or financial planner. The specialists we match you with can provide personalized advice for your situation.
Free specialist matching — no obligation