"Strategies for Tax-Free Conversion of $100K 401(k) to Roth IRA"

Converting a 401(k) to a Roth IRA can lead to a hefty tax bill, but there are strategies to minimize the tax hit, such as spreading the conversion over multiple years, converting during low-income years, and using tax deductions and credits. Understanding the five-year rule for Roth withdrawals is crucial, as it dictates when funds can be withdrawn tax-free and penalty-free. Additionally, it's important to consider IRS rules and contribution limits when planning the conversion. Consulting with a financial adviser is recommended to determine the best strategy for individual situations.