Backdoor Roths and beyond: The four camps who can benefit from a Roth IRA conversionA Roth conversion isn't for everyone, but it can unlock tax savings if you're a high earner, facing RMDs, retiring early, or in a low-income year.Updated Apr. 22, 2026 • 6 min read

Nick Holeman, CFP®Director of Financial Planning, Betterment









