SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. Imagine you’re 65 with $1.2 million in an IRA and a lingering question: should you convert your account into a Roth IRA? The answer may depend on how you go about it. A Roth conversion can provide some sizable advantages, including tax-free withdrawals and freedom from mandated distributions – but that doesn’t mean it’s always the right move. While there’s no prohibition or disadvantage to a Roth conversi ...