Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. Most investors approach Roth conversions with a simple question: Will my future tax bracket be higher than my current one? On paper, that seems like the most important question. A Roth conversion means taking a tax hit today to avoid one later, so if you expect to be in a lower tax bracket in retirement, the strategy is less appealing. If pensions and required minimum distributions are likely to push you in ...