Why Smart Retirees Are Skipping Roth Conversions in 2026

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For years, retirees were told they needed to complete Roth conversions before tax rates increased. But after the One Big Beautiful Bill Act made current individual tax rates permanent, many investors are now asking the opposite question:

Do Roth conversions still make sense?

The answer may surprise you.

In this video, I explain why the case for Roth conversions was never just about future tax rates. We discuss the real issue many retirees face: required minimum distributions (RMDs), tax bracket management, Medicare IRMAA surcharges, Social Security taxation, and the narrow planning window that often exists between retirement and required distributions.

You'll learn:

• Why the urgency around Roth conversions has changed
• How the One Big Beautiful Bill Act impacted retirement tax planning
• Why RMDs can create future tax problems
• The retirement tax window many retirees overlook
• How Roth conversions affect Medicare premiums (IRMAA)
• The connection between Roth conversions and Social Security taxation
• Why conversion timing matters more than ever
• Partial Roth conversion strategies
• How to evaluate tax bracket opportunities
• Traditional IRA vs Roth IRA planning
• Legacy planning benefits of Roth accounts
• How inherited IRAs affect beneficiaries
• Common Roth conversion mistakes retirees make
• Retirement income planning strategies
• Long-term tax planning for retirees

Many people have gone from "convert everything" to "don't convert at all." In reality, the right answer is often somewhere in the middle.

A properly coordinated Roth conversion strategy isn't about reacting to headlines. It's about understanding your future RMD exposure, tax brackets, Medicare costs, and retirement income plan so you can make informed decisions based on your specific situation.

If you'd like help evaluating whether Roth conversions make sense for your retirement plan, schedule a conversation using the link above.
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Видео Why Smart Retirees Are Skipping Roth Conversions in 2026 канала Tracy Schaff, CFP®