Financial advisors who specialize in Roth conversion strategy.
The 60-73 golden window. Bracket management. IRMAA avoidance. The 5-year rule. Multi-year conversion plans that save $200-500K in lifetime tax — matched with advisors who do this math for a living.
Roth conversion is often the most valuable move a pre-retiree can make
Between retirement and RMDs (73+), most retirees are in their lowest tax bracket since young adulthood. Earned income stopped; Social Security hasn't started (if delayed); traditional IRAs continue compounding. Converting those balances to Roth at 22-24% beats paying 32-37% on RMDs later — and keeps legacy Roth balances for heirs tax-free.
Where conversions get tricky
- Bracket management. Convert to fill the 22% bracket without spilling into 24%. Specifics: $201,050 MFJ in 2026 is the 24% boundary.
- IRMAA thresholds. Medicare surcharges kick in at ~$206K MFJ MAGI. Each tier costs $600-5,000/yr/spouse. Most conversion plans need to coordinate against these.
- Social Security taxation. 85% of SS benefits taxed once combined income crosses $44K MFJ. Conversion income stacks on top.
- Pro-rata rule. For those with after-tax IRA contributions mixed in — basis tracked per all IRAs, not just the one being converted.
- 5-year rule. Each conversion has its own 5-year clock for penalty-free access. Multiple conversions = multiple clocks.
- State residency changes. Retiring to Florida/Texas/Nevada? Time conversions post-move for zero state tax.
Tools & guides
Roth Conversion Calculator
Estimate lifetime tax savings from a multi-year conversion plan. Includes IRMAA-aware bracket management.
Complete Roth Conversion Strategy Guide
Full guide: the 60-73 window, bracket management, IRMAA, 5-year rules, pro-rata, and beneficiary planning.
Get matched with a Roth conversion specialist
Fee-only advisors who execute conversion plans. No fees, no obligation.