Although it seems non intuitive, The Roth Conversion Explorer may recommend that you convert some accounts early, even in a moderate tax bracket. This is because the conversion will lead to a higher liquid net worth over the life of your plan.

Keep in mind that the Explorer will drain all of your after tax accounts prior to age 59.5, and utilize your IRA conversion proceeds to pay taxes after age 59.5.

It's essential to use your own discernment and consider your investing and planning temperament prior to executing any financial strategy. We also recommend that you validate your strategies with a tax professional or your tax software.

Please see this article for more in depth information.