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Insights & Reports
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Roth Conversions
When a Roth Conversion Is a Mistake
Learn when a Roth conversion may be the wrong strategy, the situations where waiting can save taxes, and how to avoid costly Roth conversion mistakes.
6 days ago6 min read
How to Pay the Tax on a Roth Conversion
Learn why paying Roth conversion tax from outside your IRA can preserve more tax-free growth and help maximize the long-term value of your Roth conversion.
6 days ago6 min read
The 10-Year Rule: Why Your Heirs Could Pay More Tax Than You
Learn how the 10-year rule affects inherited IRAs, why many heirs pay more tax than expected, and how Roth conversions may help preserve more of your family's wealth.
7 days ago6 min read
Why Future Tax Rates Matter Less Than You Think
Learn why predicting future tax rates isn't necessary for a successful Roth conversion and how focusing on your own projected tax situation can lead to better long-term decisions.
7 days ago6 min read
The Widow's Penalty: Why Surviving Spouses Often Pay Higher Taxes in Retirement
Learn why surviving spouses often face higher taxes in retirement despite having similar income. Discover how filing status, IRMAA, and Roth conversion planning can help reduce the widow's penalty.
7 days ago6 min read
Why Your Tax Bracket Isn't the Real Cost of a Roth Conversion
Learn why your tax bracket isn't the true cost of a Roth conversion. Discover how IRMAA, Social Security taxation, capital gains, and your true marginal rate can affect retirement tax planning.
7 days ago7 min read
How to Approach a Roth Conversion With a $1 Million IRA
Learn how Roth conversion planning changes once your IRA reaches $1 million. Discover how larger retirement accounts affect RMDs, Medicare IRMAA, taxes, and long-term retirement planning.
Jul 158 min read
Roth Conversion 5-Year Rule Explained
Learn how the Roth conversion 5-year rule works, why there are two different Roth IRA 5-year rules, and what they may mean for your retirement planning and withdrawal strategy.
Jul 149 min read
How Roth Conversions Affect Medicare IRMAA
Learn how Roth conversions can affect Medicare premiums, how IRMAA works, and why thoughtful planning focuses on long-term retirement outcomes.
Jul 137 min read
Should You Do a Roth Conversion Before RMDs?
Learn when a Roth conversion before RMDs may make sense, how lower-income years can create planning opportunities, and why many retirees consider partial Roth conversions to reduce future Required Minimum Distributions.
Jul 98 min read
Should You Do a Roth Conversion Before Retirement?
Learn when a Roth conversion before retirement may make sense, how timing affects taxes, and why many retirees evaluate partial Roth conversions during lower-income years.
Jul 85 min read
How Roth Conversion Tax Brackets Work
Learn how Roth conversions are taxed, how progressive tax brackets work, and why many retirees consider partial Roth conversions as part of a long-term tax planning strategy.
Jul 88 min read
What Is a Roth Conversion?
Learn what a Roth conversion is, how it works, and when it may make sense as part of a retirement tax planning strategy.
Jul 74 min read
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