Told with remarkable modesty and vulnerability, this account is one of the earliest conversion stories in Christianity.

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If your main goal is to accumulate as much as you can in the account and leave it to your heirs, conversion can make a lot of sense, says Christine Fahlund, a certified financial planner at T.

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The law gives you until Oct. 15 of the year following a Roth conversion to undo it and put the money back into the pretax account.

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Each time you do a conversion, create a new Roth IRA, rather than mixing funds in an existing Roth account.

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In other words, a Roth conversion is more impactful if you can pay the tax bill with an outside non-retirement account, like an individual or joint account.

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To keep a conversion at the 33% rate that could be converted in future years at the 28% rate, the account would have to appreciate 17.9%.

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