Are Roth contributions and conversions good ways to make the most of Social Security retirement income? With no RMD and no taxes upon distribution, Roth IRAs are certainly great vehicles for income in retirement. However, contributions can only be made with earned income, and conversions will increase a client’s AGI and tax liability in the here and now. This article will discuss the merits (and drawbacks) of Roth contributions and conversions for clients who are working while collecting Social Security before the full retirement age. If they allocate some of their income to a Roth IRA, could they ultimately fare better than if they had delayed collection? This story will be featured in a retirement-focused section of Nationwide’s ThinkAdvisor website called Retirement Wire: http://www.thinkadvisor.com/sponsored/retirement-wire/ slreturn=1498083954. This round of stories for August and September will focus on Social Security. Requirements: I’d like to speak with financial advisors well-versed in both Social Security and the use of Roth IRAs for retirement income.