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.
How Much Should You Convert to Roth Each Year?
There's no universal Roth conversion number. But there is a logical process for finding yours — one that looks at tax brackets, Medicare premiums, and what you're actually trying to accomplish. Get the 2026 numbers and a step-by-step framework.