Roth IRA Utopia: Is Now the Right Time to Convert?

To convert or not to convert? That's the big question savers should be asking themselves right now as we all adjust to the major reforms of the Tax Cuts and Jobs Act, the most extensive tax rewrite enacted in decades.

If you've been thinking about tax diversification -- moving your money into more than one savings bucket to avoid a huge tax bill in retirement -- the act's new tax brackets and lower tax rates may provide the nudge you needed to convert a traditional IRA to a Roth IRA.

Let's say you're filing as a single individual, and your