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Roth Conversion the Year You Sell Your Home
Selling your home and weighing a Roth conversion the same year? See how Section 121, capital-gains stacking, IRMAA, and NIIT shape the timing decision.
SEP & SIMPLE IRA Pro Rata Rule: Backdoor Roth
Do SEP and SIMPLE IRAs count for the pro-rata rule? Yes, both aggregate under IRC 408(d)(2). See the backdoor Roth tax math and the Solo 401(k) fix.
Are Roth Conversions Worth It After OBBBA? (2026)
OBBBA made the 2017 rates permanent and ended the 2026 sunset. Why Roth conversions can still make sense for retirees and how to size them in 2026.
Spousal Rollover Then Roth Conversion: A Widow’s Move
A surviving spouse cannot convert an inherited IRA directly: assume ownership first (spousal rollover), then convert, ideally in the year-of-death joint brackets.
Roth Conversion vs. Capital Gain Harvesting (2026)
Roth conversion vs capital gain harvesting compete for the same low bracket in 2026. See the stacking rule, the 0% LTCG room, and how to sequence both.
Offset a Roth Conversion With a Donor-Advised Fund
Offset a Roth conversion with a donor-advised fund: fund a DAF the same year, bunch your giving, and cut conversion tax under 2026 OBBBA rules.
Roth Conversion Before Pension Starts: Sizing the Window
A Roth conversion before your pension starts uses the low-income gap to fill low brackets and shrink future RMDs. See the 2026 numbers and the traps to size around.
Delay Social Security Roth Conversion Runway
Delaying Social Security opens a low-income window for Roth conversions before you claim. See the 2026 bracket-fill math and gap-year framework.
Roth Conversion Age Gap Couple: Sequencing Guide
How an age-gap couple sequences Roth conversions across two RMD clocks and one survivor: 2026 brackets, Table II divisors, IRMAA and NIIT guardrails, worked example.
Pay Roth Conversion Tax With IRA Withholding
Pay Roth conversion tax with IRA withholding: the paid-evenly rule can cure a late-year underpayment penalty, plus the under-59.5 trap and 60-day fix.