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.
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We track current promotions from leading IRA custodians and update this page regularly. The offers below are live as of March 2026 — eligibility and terms vary by provider.
Transfer any IRA or 401(k) balance into a Robinhood IRA and earn 2% back in bonus cash. Requires an active Robinhood Gold subscription ($5/mo). Assets must remain in the account for 5 years to avoid a clawback fee.
Open a Rollover, Traditional, or Roth IRA and fund within 45 days. Bonuses are tiered: $100 (deposit $20k–$49k), $150 ($50k–$99k), $250 ($100k–$199k), $600 ($200k+). A separate offer goes up to $1,000 for larger transfers. Maintain balance for 90 days.
Transfer any IRA or brokerage account via ACAT and SoFi matches 1% of the transferred amount — up to $50,000 in bonus cash on $5M in transfers. Assets must remain for 5 years. SoFi Plus members qualify for 2% on new IRA contributions through April 15, 2026.
Roll over or transfer an eligible retirement account and receive up to $2,500 in bonus funds, plus a 10% match on your 2027 IRA contributions. Available on Traditional, Roth, and SEP IRAs.
* Offers verified as of March 2026. Terms, eligibility, and availability are subject to change by each provider. RothRightNow is not affiliated with these providers and does not guarantee bonus outcomes. Always review the provider's official terms before transferring funds.
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Roth contributions (not earnings) can be withdrawn at any time without penalty.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.
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.
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.
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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. Convert to a Roth and your savings grow on your timeline, not the government's.
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.
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