If you're eyeing a Roth conversion , President Donald Trump 's " big beautiful bill " could make the strategy more complicated, according to financial experts.

Roth conversions transfer pretax or nondeductible individual retirement account funds to a Roth IRA , which starts future tax-free growth . The trade-off is paying regular income taxes on the converted balance.

Trump's new tax cuts could make Roth conversions more appealing for some investors, experts say. But incurring too much income could impact eligibility for certain tax breaks.

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