Taxes · Free PDF · 8 pages
The Roth Conversion Planning Guide
Filling brackets, dodging cliffs, and deciding whether conversions fit your plan.
What you'll learn
- The bracket-filling framework most planners use to size conversions
- Why the years between retirement and RMDs are often the best window
- The knock-on effects: IRMAA, Social Security taxation, ACA credits
- Five common conversion mistakes and how to avoid each one
Results are estimates for educational purposes and may not reflect your complete financial or tax situation. This guide is educational and is not individualized financial, tax, or legal advice.
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Use alongside this guide
- Roth ConversionSee which federal brackets a proposed Roth conversion would fill, the estimated extra tax, and how much room remains in your target bracket.Calculator
- RMD CalculatorEstimate this year's required minimum distribution and see projected RMDs for the years ahead.Calculator
- Medicare IRMAASee whether your income triggers Medicare premium surcharges — and how close you are to the next cliff.Calculator
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