Social Security and Roth IRAs

[Guest TJG]

What affect does the income inclusion from a Roth IRA conversion have on the taxability of Social Security benefits? Is the test eliminated after age 70.5?

[Gary Lesser]

To the extent that the conversion amount is taxable it may have an effect on the taxability of SS income. May be better off not using 4-year spread.

I am not sure what you mean by 70.5. Unlike a traditional IRA, a Roth IRA may produce less taxable income after 70.5.