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The Roth Conversions Window: How to Convert at 12-22% Rates in the OBBBA Era Before RMDs Force You Into 24-32% Brackets and Trigger Up to $15,000/Year

by Scott Bennet

A guide to Roth conversions in the years before required distributions

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AlbakiReads Editorial

A guide to Roth conversions in the years before required distributions

Scott Bennet’s guide focuses on the interval between retirement and required minimum distributions, presenting those “gap years” as a period for considering Roth IRA conversions. It introduces the G.A.P.S. System, a four-step framework for weighing conversion timing against tax brackets, future distributions, and IRMAA-related costs. The book also lays out long-term comparisons between converting and waiting, alongside examples of how changes in modified adjusted gross income can affect Medicare premium surcharges. Its discussion is framed around the OBBBA era and retirement tax planning; the specific tax and threshold figures are claims presented in the book, not independently verified here.

Good fit for readers who enjoy

  • Retirees or people approaching retirement who are considering Roth IRA conversions.
  • Readers seeking a structured framework for comparing conversion timing and potential tax or IRMAA effects.
  • Those interested in retirement tax-planning examples tied to required minimum distributions.

Themes

Roth IRA conversion timingRetirement tax planningRequired minimum distributionsTax brackets and IRMAA

Based on publisher information and book metadata.

Book overview

The First Book That Reveals the Post-OBBBA Trap - And How to Convert Your IRA in Your Gap Years Before RMDs Force You Into Higher Brackets and Trigger $15,000/Year IRMAA Penalties

 

Have you been told by your advisor that "now you have time" since OBBBA made tax brackets permanent - without anyone explaining what you're actually waiting for?

 

Introducing The Roth Conversions Window, a post-OBBBA retirement planning guide that exposes the Permanent Bracket Paradox and teaches you the G.A.P.S. System, a four-step framework showing you exactly how to convert at 12-22% rates during your gap years, before age 73 RMDs push you into 24-32% brackets and cost you $50,000-$150,000+ over your lifetime.

 

Here's a fraction of what awaits you:

 

- Why OBBBA's "permanent brackets" created a hidden trap - and how the Permanent Bracket Paradox costs retirees $75,000+ in avoidable taxes

 

- The $75,000 mistake - a 20-year comparison showing exactly where inaction costs compound between strategic converters vs. those who wait

 

- IRMAA cliffs explained - why $218,000 vs. $218,001 MAGI costs couples $1,148/year, and can reach $14,964/year at higher tiers

 

- And much more!

 

Scroll up and Get Your Copy of The Roth Conversions Window Today!
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