The Roth Conversion Blueprint (2026)
Retirement income planning has never been more complex. From Social Security timing to Roth conversions, this guide walks you through the most effective strategies to maximize your Roth Conversions in retirement while minimizing your tax burden. Whether you are five years out or already retired, these strategies can help you keep more of what you have earned.
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Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. Theorem Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.
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Your Guide to Roth Conversions
A chapter-by-chapter breakdown of the strategies covered in this guide
01
Roth Conversions Timing Strategies
Learn how to optimize when you conversions to maximize your lifetime benefits.
02
Roth Conversion Planning
Discover how strategic Roth conversions can reduce your future tax burden in retirement.
03
When Roth Conversions Can Be Harmful
Understand when a Roth Conversion isn't right for you
What You Will Learn Inside
A chapter-by-chapter breakdown of the strategies covered in this guide
CH. 01
WHAT IS A ROTH CONVERSION?
Learn what a Roth conversion is.
CH. 02
BEST TIMES TO CONSIDER A ROTH CONVERSION
See the best times a Roth conversion can make sense
CH. 04
Roth Conversions Before and After Retirement
Learn about the differences in taxes from a Roth conversion before and after retirement.
ABOUT THE AUTHOR
Written By the Team Behind Theorem Wealth
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Frequently Asked Questions
A Roth conversion involves moving money from a traditional IRA or 401(k) into a Roth IRA, paying taxes now in exchange for tax-free growth and withdrawals later. It tends to be most beneficial when you expect to be in a higher tax bracket in the future or want to reduce required minimum distributions.
It depends on your tax bracket, goals, and income strategy, many people convert up to the top of a desired tax bracket without spilling into the next.
Yes, the amount converted is added to your taxable income for that year.
Yes, higher income from conversions can increase Medicare premiums two years later if you cross IRMAA thresholds.
No, Roth conversions are irreversible under current tax law.
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