Uploaded June 2026 | Updated September 2026, 1 day ago
A Roth IRA conversion lets you move money from your traditional IRA or 401k into a Roth and doing it when the market is down means you pay taxes on the lower value, not the
recovery
.The views expressed herein are those of the author and do not necessarily reflect the views
of Steward Partners or its affiliates. All opinions are subject to change without notice.
Neither the information provided, nor any opinion expressed constitutes a solicitation for
the purchase or sale of any security. All investing involves risk, including the potential loss
of principal. Past performance is not indicative of future results. Please consult with a
qualified financial, legal, or tax professional before making any financial decisions.
Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.
Roth conversions may not be suitable for all investors. Converting assets from a traditional
IRA to a Roth IRA is a taxable event and may significantly increase current income tax
liability. Withdrawals from retirement accounts are subject to ordinary income tax and, if
taken prior to age 59½, may be subject to a 10% federal tax penalty unless an exception
applies. Roth IRA conversions are subject to a five-year holding period before earnings may
be withdrawn tax-free, and each conversion may have its own holding period. References
to market pullbacks, recovery periods, or timing strategies are based on historical
observations and are not predictive of future market performance. Attempting to time
conversions based on market conditions involves risk, including the possibility of adverse
market movements following a conversion. Any examples, scenarios, or illustrations
provided are hypothetical, are based on assumptions, and are intended solely to
demonstrate general concepts. Actual outcomes will vary based on market performance,
timing, tax implications, fees, expenses, and individual circumstances. Investors should
carefully consider their individual financial situation, tax bracket, time horizon, and
investment objectives prior to implementing any strategy.
Investment advisory services are offered through Steward Partners Investment Advisory,
LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global
Advisory, LLC are affiliates and collectively referred to as Steward Partners.
A Roth IRA conversion lets you move money from your traditional IRA or 401k into a Roth and doing it when the market is down means you pay taxes on the lower value, not the
recovery
.The views expressed herein are those of the author and do not necessarily reflect the views
of Steward Partners or its affiliates. All opinions are subject to change without notice.
Neither the information provided, nor any opinion expressed constitutes a solicitation for
the purchase or sale of any security. All investing involves risk, including the potential loss
of principal. Past performance is not indicative of future results. Please consult with a
qualified financial, legal, or tax professional before making any financial decisions.
Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.
Roth conversions may not be suitable for all investors. Converting assets from a traditional
IRA to a Roth IRA is a taxable event and may significantly increase current income tax
liability. Withdrawals from retirement accounts are subject to ordinary income tax and, if
taken prior to age 59½, may be subject to a 10% federal tax penalty unless an exception
applies. Roth IRA conversions are subject to a five-year holding period before earnings may
be withdrawn tax-free, and each conversion may have its own holding period. References
to market pullbacks, recovery periods, or timing strategies are based on historical
observations and are not predictive of future market performance. Attempting to time
conversions based on market conditions involves risk, including the possibility of adverse
market movements following a conversion. Any examples, scenarios, or illustrations
provided are hypothetical, are based on assumptions, and are intended solely to
demonstrate general concepts. Actual outcomes will vary based on market performance,
timing, tax implications, fees, expenses, and individual circumstances. Investors should
carefully consider their individual financial situation, tax bracket, time horizon, and
investment objectives prior to implementing any strategy.
Investment advisory services are offered through Steward Partners Investment Advisory,
LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global
Advisory, LLC are affiliates and collectively referred to as Steward Partners.
