Oct 16 – Dec 31 · Planning Season
2026 Year-End Planning Summary
~$20,000 of traditional IRA repositioned into Roth this year — a multi-year conversion window worth potentially tens of thousands in lifetime tax, sized within the 22% bracket and below the IRMAA threshold.
Each move as a range, stepping down from the current-path liability.
Partial Roth conversion in the low-income window
Addressed by the plan
0 of 1 quantified · 1 enable the rest without a separate figure
Time-sensitive moves before December 31.
Multi-year planning to revisit beyond this season.
Items to resolve before the client conversation.
A Roth conversion that nudges MAGI over the IRMAA tier-1 threshold triggers a Medicare premium surcharge two years later. The conversion ceiling must be set against the confirmed threshold so the surcharge is avoided.
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