_edited_edited_.png)
Now Is Still a Smart Time to Explore Roth Conversions in 2026
Pay taxes today at today's favorable rates → enjoy tax-free growth and withdrawals tomorrow.
With federal tax brackets now permanent and adjusted for inflation, many retirees and high earners still benefit from strategic Roth conversions, especially if you expect higher future taxes, want to eliminate RMDs, or plan a tax-efficient legacy. Waiting even one year means another year of taxable growth in your IRA and potentially missing today's lower bracket-filling window before any future rate changes.
Get Your FREE 9-Step Roth Conversion Guide + Bonus Calculator
Instant access, no strings attached. See potential savings in minutes with our exclusive Roth Conversion Calculator.
.jpg)
Garrett Imeson, CFP®, Helping clients keep more of what they've earned since 2009.
Why Roth Conversions Matter More Than Ever
A Roth conversion moves money from a traditional IRA (or 401(k)) to a Roth IRA. You pay ordinary income tax now on the converted amount, but everything after that, growth, qualified withdrawals, and even inheritance for heirs, can be 100% tax-free.
Key advantages in today's environment:
Tax-Free Growth & Withdrawals: Future earnings compound without Uncle Sam taking a cut (qualified withdrawals after age 59½ and 5-year rule).
Better Legacy Planning: Heirs inherit Roth assets tax-free (vs. taxable traditional IRAs), and they avoid the 10-year SECURE Act withdrawal pressure in many cases.
No Lifetime RMDs: Roth IRAs have no required minimum distributions for the original owner—giving you total control over your money in retirement.
The Top 5 Reasons Clients Choose Roth Conversions in 2026
Lock in Today's Rates
Permanent brackets (10%–37%) make now an ideal time to fill lower ones strategically, before potential future policy shifts or personal income increases push you higher.
Potentially Lower Future Medicare Premiums
Lower taxable income in retirement can reduce IRMAA surcharges on Medicare Part B & D.
Eliminate RMD Headaches
Starting at age 73 (or later under current rules), traditional IRAs force withdrawals and taxes. Roth assets? No RMDs ever for you. Keep growing tax-free and withdraw only when you want.
Reduce Taxable Estate Exposure
Reduce overall lifetime taxes and shield more of your net worth from erosion.
Pass Wealth Efficiently to Loved Ones
Roth dollars go to heirs income-tax-free. No surprise tax bills for your children or grandchildren—plus greater flexibility under inheritance rules.
.webp)
Note: Data is illustrative of relative annual growth components and trend index.
2026 Tax Bracket Quick Reference
(Single Filers – Approximate)
Use this to model where conversions fit your situation. Brackets adjust annually for inflation. Consult a tax professional for your exact numbers and situation.
Tax Rate | Single Filers Taxable Income | Married Filing Jointly |
|---|---|---|
10% | $0 – $12,400 | $0 – $24,800 |
12% | $12,401 – $50,400 | $24,801 – $100,800 |
22% | $50,401 – $105,700 | $100,801 – $211,400 |
24% | $105,701 – $201,775 | $211,401 – $403,550 |
32% | $201,776 – $256,225 | $403,551 – $512,450 |
35% | $256,226 – $640,600 | $512,451 – $768,700 |
37% | Over $640,600 | Over $768,700 |
Here's Exactly What to Do Right Now (5 Simple Steps)
-
Grab Your Free Resources: Enter your email above to unlock the guide instantly.
-
Check Your Inbox: You'll get an email with the direct download link (check spam if needed).
-
Read the 9-Step Guide: Clear, no-fluff strategies tailored for today's rules—including how much to convert, timing tips, and common pitfalls.
-
Use the Bonus Roth Conversion Calculator: Plug in your numbers to model scenarios: current vs. future tax rates, breakeven years, and legacy impact. (Exclusive bonus inside the guide!)
-
Decide with Confidence: Armed with knowledge, decide if/when a conversion fits your plan—or schedule a quick chat if you'd like personalized input.
Meet Garrett Imeson, CFP®
Garrett Imeson is a CERTIFIED FINANCIAL PLANNER® with over 15 years helping high-income earners and retirees master tax-smart retirement planning. Known for his straightforward, empathetic style, he created the popular "Roth Conversions Done Right" webinar series. Since 2009, he's guided hundreds of clients toward more confident, tax-efficient futures, focusing on keeping more wealth in their pockets (and out of Uncle Sam's).
Important Disclosures & Disclaimers
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not warrant their applicability or accuracy regarding your individual circumstances. All examples are hypothetical and are for illustrative purposes only. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Testimonials are from real clients (dates as shown). Clients received no compensation for these statements. Views may not be representative of all clients and are not indicative of future performance or success.
Garrett Imeson is a registered representative with, and securities and advisory services offered through, LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. LPL Financial and Imeson Wealth Partners are separate entities. The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CA Insurance License Number 0G82492.
The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any reliability.