Roth conversions have significant and immediate tax implications. Consider reviewing the best options for your situation with a financial advisor who is obligated to work in your best interest.Like all post-tax portfolios, a Roth IRA is not subject to RMDs. So households trying to avoid minimum distributions often convert 401(k)s into a Roth IRA. You can do this at any age and in any amount. The only significant requirement is that the assets must come from a pre-tax portfolio, and the converted assets cann ...