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What is a Roth Conversion?
A Roth IRA conversion is the movement of all or a portion of retirement funds from a traditional IRA, 401(k), or other tax-deferred account into a Roth account. When funds are moved, or “converted”, this creates a taxable event, but all investment profits then grow tax-free, creating tax-free distributions for you in the future!
5 Reasons
Why You Should Consider
Converting to a Roth IRA

Tax-Free Investments Profits:
Unlike a Traditional IRA, when investing with a Roth IRA, as long as you meet a few certain requirements, ALL of your profits from your investments are completely tax-free when you take withdrawals.
No RMDs:
Roth IRAs don't have RMDs during your lifetime, meaning your money stays in the account longer and keep growing tax-free! Traditional IRAs require you to take a minimum distributions (RMDs) every year after you are age 72, or age 70½ if you reached age 70½ before 2020.
Tax-Free Income Stream:
Whereas many other income streams like retirement distributions and social security could be taxable, the Roth IRA will be one income stream that will not be taxable to you at all in retirement.
Tax-Free Inheritance:
Beneficiaries who inherit a Roth IRA will have to take RMDs, but as long as the account has been open for at least 5 years, they won't have to pay federal income tax on their distributions.
Anyone Can Have a Roth IRA:
It is a common misconception that if you make too much money, you cannot have a Roth IRA. That is not true though! Although you cannot make a direct contribution if you exceed a certain income limit, with the Roth Conversion, ANYONE can have a Roth IRA no matter their income level.
Get tips on how you can
supercharge your retirement from
Quest Trust President, Nathan Long
Ready to convert? Let's Get Started!
www.QuestTrustCompany.com