Clear explanations of Roth planning concepts, retirement-tax questions, and topics worth discussing with a qualified professional.
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IRA basis can make part of a Roth conversion nontaxable, but Form 8606 generally applies one proportional calculation across the owner’s applicable Traditional, SEP, and SIMPLE IRAs.
An RMD and a Roth conversion can happen in the same year, but they are separate transactions: the required amount must leave the account and cannot become the conversion.
See how 2024 taxable conversion income may interact with the exact 2026 Medicare Part B and Part D IRMAA tiers, two-year lookback, spouse enrollment, and appeal rules.
Understand when a taxable Roth conversion enters income, when an in-year payment may be needed, and how 2026 deadlines, withholding, and safe harbors differ.
Learn when 401(k) money may be moved to a Roth IRA, how account types change the tax treatment, and why direct-rollover mechanics matter.
The taxable amount is only the beginning. See how brackets, IRA basis, Social Security, Medicare IRMAA, RMDs, and payment timing can change the picture.
The right Roth conversion amount is not simply the space left in a tax bracket. Here are the factors worth reviewing before choosing a number.
A quick introduction to the weekly educational notes, planning questions, and retirement-tax concepts you can expect here.