The Roth Conversion Playbook
How retirees are turning taxable IRAs into tax-free retirement income.
What If You Could Stop Paying Tax on Your IRA?
A Roth conversion moves money from a Traditional IRA (where every withdrawal is taxed) into a Roth IRA (where it grows and comes out tax-free). For retirees with $1 million or more in qualified accounts, the right conversion strategy can save your family six figures in lifetime taxes.
This guide explains how Roth conversions work, when they make sense, and how to avoid the Medicare surcharge trap that catches most people off guard. Written in plain English by advisors who walk families through this every week.
- 2026 tax brackets and the bracket-filling strategy
- The "gap years" window for converting at bargain rates
- How conversions affect Medicare premiums (IRMAA)
- The 2-year lookback trap most advisors miss
- Social Security interaction and RMD elimination
- Tax-free inheritance for your heirs
- Who should NOT do a Roth conversion
What You'll Learn
The Bracket-Filling Strategy
2026 tax brackets and how to convert at bargain rates. A married couple could convert $148K at an effective 8% rate during their gap years.
The IRMAA Connection
How a Roth conversion in 2026 can trigger Medicare surcharges in 2028. The 2-year lookback trap most conversion guides skip entirely.
RMDs and Social Security
How converting eliminates forced withdrawals from your IRA and reduces the taxation of your Social Security benefits.
The Legacy Angle
Why converting saves your children $150,000+ on a $500K inheritance. The 10-year rule changed everything.
Get Your Free Copy
The complete Roth Conversion Playbook with 2026 tax brackets, IRMAA tables, conversion strategies, and legacy planning. No email required. No strings attached.
13 pages. Takes about 12 minutes to read.