A short YouTube clip by Craig Wear, CFP® advising viewers to perform Roth conversions now while current (lower) tax rates apply through 2025. He frames the window as an opportunity—tax rates will be higher after 2025, so delaying conversions risks higher costs; those who act can effectively use the current four-year low-rate window.
This is going to be a great opportunity to come in into an environment where we were going to have much more expensive Roth conversions starting after 2025. Now, you come into the party knowing that you got the same tax rates for four years. It's like backing up four years and starting all over again, knowing that the tax rates are going to be this low. So if you've been dragging your feet on getting Roth conversions done and getting a good strategy, now's the time to jump in and make it work.
