{"id":57,"date":"2026-09-25T17:00:00","date_gmt":"2026-09-25T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/neashaminsuranceagency-com\/2026\/09\/25\/ready-to-retire-its-not-too-late-to-convert-to-a-roth-ira\/"},"modified":"2026-09-25T17:00:00","modified_gmt":"2026-09-25T17:00:00","slug":"ready-to-retire-its-not-too-late-to-convert-to-a-roth-ira","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/09\/25\/ready-to-retire-its-not-too-late-to-convert-to-a-roth-ira\/","title":{"rendered":"Ready to Retire? It&#8217;s Not Too Late to Convert to a Roth IRA"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Thinking about retirement and wondering if a Roth IRA conversion still makes sense? Even if you&#039;re nearing retirement, it&#039;s not too late to consider this move. Converting pre-tax funds to a Roth IRA means you&#039;ll pay taxes as ordinary income for that year, but the long-term benefits can be significant: tax-free growth, tax-free withdrawals, no required minimum distributions, and more control over your tax bracket. If you do convert, remember that the five-year rule applies for each conversion. With over 30 years helping clients navigate retirement strategies\u2014especially around annuities and universal life\u2014I know how important it is to understand your options.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/retirement\/roth-iras\/ready-to-retire-its-not-too-late-to-convert-a-roth-ira\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Thinking about retirement and wondering if a Roth IRA conversion still makes sense? Even if you&#039;re nearing retirement, it&#039;s not too late to consider this move. Converting pre-tax funds to a Roth IRA means you&#039;ll pay taxes as ordinary income for that year, but the long-term benefits can be significant: tax-free growth, tax-free withdrawals, no [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":117,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-57","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/57","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=57"}],"version-history":[{"count":0,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/57\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/117"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=57"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=57"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=57"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}