When most Americans retire, they often miss a gap of several years during which they could maximize their tax savings by converting their retirement savings into a Roth account. Let's see why that happens -- and how retirees could still jump in as long as they're under the age of 73. What is the "Roth Conversion Window"? The average American retires at 62, according to a 2024 MassMutual study. However, most retirees don't need to withdraw required minimum distributions (RMDs) from their tax-deferred reti ...