Craig Wear, CFP, walks through Roth IRA conversions without disrupting your portfolio. Move positions in-kind instead of selling to keep risk constant, prioritize high-growth small-cap stocks first, and stick with your advisor unless returns lag.
This is part of the art of Roth conversion implementation. You want to leave, you want to leave your total risk the same. And then there's no need to start selling positions because you can move them in kind from your IRA to your Roth. And there's no need to even change investment advisors unless they're not doing a great job for you. But what, what your investment firm is going to want to do is as you open up that Roth IRA account, they're going to want to take an equal proportion of each of your holdings and move them over because it makes the pie chart look right. They can look at it and they see that you're balanced and you can see that you're balanced. So don't get hung up on keeping the part, the pie chart looking the same. You want you're actually going to want to move those, those High Flyers or those small stocks or some of that other stuff over first. And so that pie chart might look askew a little bit if you look at it individually.
