Roth Conversions Done Right: How to Avoid IRMAA + Tax Bracket Spikes

Описание: Most people think Roth conversions are a one-time decision. They’re not. The real advantage comes from timing—strategically filling the 12% or 22% tax brackets during the exact windows where your income is naturally lower.

This video walks through the high-leverage years where conversions create the biggest long-term payoff:

Ages 64–67: As you enter Medicare—or remain on a working spouse’s insurance—you still have room for conversions. The key is converting just enough to stay under IRMAA limits and avoid premium surcharges.

Late 60s to Early 70s: By chipping away at your pre-tax IRA every year, a significant portion of your balance shifts into Roth. That means smaller RMDs at age 75, lower taxable income, and more flexibility when planning withdrawals.

Beyond 75: You’ve engineered a durable mix of tax-free Roth assets and a reduced pre-tax footprint, creating more control, less tax drag, and a smoother income plan for the rest of retirement.

This is how sophisticated retirees flatten their tax curve, minimize lifetime taxes, and create a long-term income strategy that works with the tax code—not against it.


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I’m Raman Singh, CFP® and I’m not your traditional financial advisor or the guy who sells you insurance products, pitch you investment ideas, or drive a fancy car, wear the expensive suit. For 10 years, I was the person who was building YOUR financial plans that were being presented to you by the “advisor” who pitched you the investment ideas, sold you the insurance, drove the fancy car, and wore the expensive suits.

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