Tax-free growth potential and tax-free withdrawals in retirement—the tax benefits of a Roth IRA are clear. If you aren’t able to contribute to a Roth IRA because of the income limits, a Roth conversion for eligible retirement accounts is another way to have a Roth account. But, does it make sense if you are in or within 15 years or so of retirement? The answer: Maybe. A Roth IRA, even via a conversion, has the potential to benefit your retirement and legacy planning. That’s why we believe everyone should at least investigate a Roth IRA.