My income fluctuated drastically lower this year due to a sabbatical, does it make mathematical sense to execute a massive Roth conversion while I am in a lower marginal tax bracket?

Question

Kohari Gonzalez Oneyear & Brown · Accepted Answer

A lower-income year often changes the math on a Roth conversion, because the current tax bracket, the size of the pre-tax retirement balance, and the expected tax picture in future years all affect the comparison. A sabbatical can also influence whether the conversion creates manageable taxable inco For an answer applied to your exact numbers, bring this question to a licensed KGOB CPA in a focused session and leave with a clear next step.