THE ROTH CONVERSION WINDOW: How to Escape the IRA Tax Bomb, Reduce Future RMDs, and Build Tax-Free Income Year by Year—Before It’s Too Late

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Published date June 13, 2026
Author Phillip T. Alcott

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Description

THE FIRST POST-OBBBA ROTH CONVERSION GUIDE THAT TELLS YOU EXACTLY HOW MUCH TO CONVERT — YEAR BY YEAR — BEFORE RMDS LOCK IN YOUR TAX RATE FOREVER

No products. No advisor pitch. Just your number.

IS THIS YOU?

Still don't know how much to convert this year — despite hours of research? Telling yourself "brackets are permanent now, I have time" — while your gap years disappear and your IRA keeps growing?

THE REAL PROBLEM — AND THE SOLUTION

OBBBA didn't close your window. It just removed your excuse to keep waiting.

RMDs still begin at 73. When they arrive, they stack on Social Security, trigger IRMAA surcharges, and leave a surviving spouse with the same income in brackets half as wide. Every gap year you don't convert is a year of low-income retirement planning opportunity you can never recover.

The Roth Conversion Window gives you your number — a specific, year-by-year Roth IRA conversion plan built around your income, your balance, and your filing status.

WHAT'S INSIDE

The 5 Conversion Tripwires that create stealth 30%+ marginal rates inside the 22% bracket — including the new OBBBA senior deduction phase-out 5 Complete Profiles With Year-by-Year Calendars — pension retiree, Social Security-only couple, pre-Medicare retiree, single filer, and high-balance converter The Step-by-Step Conversion Calculator — models your bracket ceiling, IRMAA exposure, RMD projection, and optimal conversion amount in one place The Widow's Trap and the SECURE Act Heir Problem — how converting now protects your spouse and keeps your children from losing 30-40% of their inherited IRA to a forced 10-year distribution clock All 50 States Covered — how your state taxes IRA withdrawals, what exemptions apply, and how it changes your conversion math GET YOUR COPY TODAY

The window is open. It is also finite. Scroll up and click Buy Now — before another gap year closes without your number.

Specifications

FormatEPUB, PDF
Pages166
LanguageEnglish
ISBN-13979-8195853488

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J Joana K. Verified
★★★★★The diagrams do the teachingSeeing the concept drawn before the notation appears changed everything for me.
M Marcus T. Verified
★★★★★A set text for my classThe problem sets are graded properly and the solutions are complete.
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