Delay Social Security to Supercharge Your Roth Conversions?
Delaying Social Security isn't just about a bigger check — for retirees with large pre-tax balances, it's often about buying more Roth conversion runway. Here's how deferring to 70 keeps your MAGI low, neutralizes the tax torpedo, and lets you convert more aggressively before the window closes.
Do Roth Conversions Increase Medicare Premiums?
Yes — but the more important question is whether that changes anything. A Roth conversion can trigger an IRMAA surcharge on your Medicare premiums two years later. Here's what it costs, when it's still worth doing, and how to model it into your strategy.