Because of our income bracket – we make over $350,000 per year – we cannot contribute to a Roth anymore. We’re 61 and 62, and planning to work until at least 67. Do we qualify to convert our 401(k)s into Roths a little at a time or do we have to wait until we retire? -Fariba You’re right that earning a combined income of $350,000 puts you over the Roth IRA income limit. However, there’s no income limit on conversions. In fact, anyone can convert any amount of tax-deferred savings at any time. Nothing is st ...