---
title: "Hidden Value: Roth IRA Conversions, How Much Is Too Much?"
description: The TCJA significantly lowered marginal income tax rates for most people, and many advisors are now evaluating Roth IRA conversions for their clients. Advisors now need to determine how much their clients should convert to Roth IRA and how much is too much.
image: https://www.covisum.com/hubfs/think-advisor-logo-blog.jpg
---
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# Hidden Value: Roth IRA Conversions, How Much Is Too Much?
[IN THE NEWS | ](https://www.covisum.com/blog/topic/in-the-news)1/9/19 8:36 AM | by [Lauren Laferla, Director of Communications](https://www.covisum.com/blog/author/lauren-laferla-pr-content-marketing-manager)
Hidden Value is a column in [ThinkAdvisor](https://www.thinkadvisor.com/2019/01/08/roth-ira-conversions-how-much-is-too-much/)where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he highlights the importance of evaluating Medicare surcharges and beneficiaries' future tax brackets when considering a Roth IRA conversion.
Here's an excerpt:
> "The tax overhaul passed in 2017 significantly lowered marginal income tax rates for most people, and many advisors are now evaluating Roth conversions for their clients. However, while it seems like the deliberation is whether or not to convert the entirety of an IRA balance to a Roth, I would suggest the right question is *how much* should I convert to Roth? And don’t forget the related question: How much is too much?"
Advisors can help their clients avoid potential hazards and make an educated decision by quantifying the single-year impact of various Roth IRA conversion strategies.
Read the article in its [entirety](https://www.thinkadvisor.com/2019/01/08/roth-ira-conversions-how-much-is-too-much/).
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