Roth Conversions
Two Roth Clocks. Sometimes Three. The One at 60 Surprises Everybody.
An 8-page guide to the contribution clock, the conversion clock, and the Roth 401(k) rollover trap that catches people at retirement — plus the one action you can take this week that prevents it entirely.
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8 pages · PDF · ~3 min to skim
Inside the guide
A thoroughly researched,
concise reference.
Sourced to IRS, SSA, and Treasury publications. Educational content, not financial advice.
Three workers, three outcomes from the same rules — Eleanor at 60 (Clock #2 is moot), Marcus at 58 (both clocks live), Karen at 65 (the third-clock rollover trap).
The actionable move if you have a Roth 401(k) and no Roth IRA — open one this week, even with $10. The clock you start now is worth tens of thousands at retirement.
The four-question decision tree — age 59½ check → contribution-clock check → rollover-trap check → FIFO ordering for multiple conversions.
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