Everyone said to finish your Roth conversion before tax rates jumped in 2026. Then the 2025 tax law made those rates permanent. Here is what that changes.
Most people treat their first required minimum distribution as a math problem. Take the number, pay the tax, move on. But that withdrawal can echo forward and raise your Medicare premium by thousands a year, and almost nobody sees it coming.
Fiscal Fridays is a brand new live show from American Retirement Advisors. Watch the premiere episode featuring real retirement questions, the Three Colors of Money, and why the 401(k) was never supposed to be a retirement plan.
A $150,000 Roth conversion saved one couple a fortune in future taxes. It also triggered $4,600 in Medicare surcharges they never saw coming.
Between retirement and Social Security, there's a window where converting to Roth could save you tens of thousands in taxes. Most people miss it entirely.