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Will My Roth IRA Conversion Be Penalty-Free?

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Converting a portion of an IRA to a Roth IRA is a complex process that involves many moving parts. Unintended consequences can result if the strategy is not properly analyzed or handled, including a possible impact on Medicare premiums two years after the conversion.


This flowchart addresses common issues that you may encounter when doing a Roth conversion, including:


  • Implications for IRAs with after-tax contributions
  • Pro-rata and aggregation rules
  • Simple IRA rules
  • Medicare Part B and Part D surcharge impact
  • Application of the 5-Year Rule
  • RMD coordination issues

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