The biggest mistake with Roth conversions? Timing.
People think they have until April 2026.
They do not.
That deadline is for contributions.
Conversions must be completed by December 31st, 2025.
No grace period. No extensions.
And custodians get slammed at year-end,
which means even earlier cutoffs.
Miss the cutoff,
miss the benefit.
Do not let a calendar technicality
cost you thousands.
