Overview | Roth IRA | Traditional IRA | IRA Resources

Quick Assessment Considerations Featured Questions

Roth IRA Conversion Featured Questions

Get in-depth answers to your Roth conversion questions—and targeted next steps to help you reach your financial goals.

Most Viewed

How do I know if I can keep contributing to my Roth IRA after I convert?

How does a Roth IRA fit into my savings strategy?

Just Getting Started?

Answer a few quick questions to see if a Roth conversion could be right for you.

Take a closer look with our Roth IRA Conversion Calculator.

I know I want to convert to a Roth IRA. What do I need to do?

If you're ready to convert, Schwab can walk you through the entire process with a step-by-step guide, including converting a 401(k).

How does a Roth IRA fit into my savings strategy?

A Roth IRA can be a smart way to stay in control of taxes when you need to start withdrawing from your retirement savings.

How do I know if I should convert to a Roth IRA?

Deciding whether to convert to a Roth IRA depends on your personal situation and your financial goals.

What is a partial Roth IRA conversion?

A partial Roth IRA conversion can be a more affordable way to take advantage of the benefits of converting.

How do I know if I can keep contributing to my Roth IRA after I convert?

We’ll give you the income guidelines—and show you a possible loophole.

What if I change my mind after I contribute or convert? Is there any sort of do-over?

A recharacterization can be your answer if you'd like to reverse an IRA contribution or conversion.

How can I plan ahead for Roth conversion taxes?

Follow these guidelines if you’re worried about managing the cost of conversion.

How can converting to a Roth IRA help with my estate planning?

A Roth IRA offers unique benefits for your beneficiaries--if you don't need the money for yourself.

Important Disclosures
This information is for general informational purposes only and is not intended as an individualized recommendation or to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner or investment manager.

All expressions of opinion are subject to change without notice in reaction to shifting markets, as well as tax and estate planning rules. Examples provided are for informational purposes only and not intended to be reflective if results you can expect to achieve.

(1209-12143)