SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. There is no age limit on Roth conversions, so you can transfer pre-tax savings into a Roth IRA regardless of your age or retirement status. As long as you have qualifying funds in a pre-tax portfolio, you can move them to an after-tax Roth account. That doesn’t mean a conversion is always wise. For households in retirement, the benefits of a Roth conversion are often relatively minor compared with the cos ...