Craig Wear, CFP®Craig Wear, CFP® | Expert in Roth Conversions & Tax-Efficient Retirement Strategies for IRA Millionaires

The new GOP law didn’t kill Roth conversions. It made them urgent.

25 Oct 2025 · 1 min

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Craig Wear, CFP® explains that despite perceptions the new GOP tax law makes Roth conversions unnecessary, the scheduled sunset of current (lower) tax brackets in 2028 creates urgency. He argues converting before the 2028 sunset lets taxpayers lock in lower rates, avoid future higher taxation on withdrawals, and benefit from Roths' tax-free withdrawals and absence of required minimum distributions (RMDs).

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Hey, are Roth conversions still worth doing in 2025? Some people think the new GOP tax law makes Roth conversions pointless. Why pay tax now if rates are going to stay low? Why not just keep your money under traditional IRA and worry about the taxes later? Well, here's the problem. These lower rates aren't forever the current brackets Sunset in 2028 and history says tax rates often go up, not down. And if you wait until after the sunset, you could be converting at much higher tax rates, shrinking your retirement savings. A Roth conversion lets you pay tax today, lock in the lower rates and protect future withdrawals from tax hikes. And with no RMDs on a Roth, you keep full control over when and how you take money out. So while you think the new GOP law makes conversions less attractive, the reality is for many people, this window before 2828 especially might be the best time in decades to get it done.