Convert It All to Roth? That's the Trap

📊 Plan your Roth conversion window: https://cognitofinance.gumroad.com/l/... 50-65 with a traditional 401(k) or IRA? This video walks the Roth conversion math the loud advice skips. RMDs at 73, IRMAA cliffs, and the bracket-filling framework. Convert it all to Roth before RMDs start at 73? That advice has a cost most channels never warn you about — the 32 percent bracket you triggered chasing it, and the IRMAA Medicare surcharge that lands two years later with no undo button. The fix is calibrated, not aggressive. Right-size the residual. Fill the bracket you chose. Stay under the $218,000 IRMAA cliff for married couples ($109,000 single). Pay the conversion tax from outside funds. Recalculate every year. I built the Retirement Tax Planner to run this for my own conversion staircase — the spreadsheet models four strategies side by side with full federal, state, IRMAA, and RMD math. If you want to size your conversion ceiling without bumping a bracket or tripping the cliff, the link above runs it, and more. Chapters: 0:00 The $400K Roth Conversion That Backfired 1:08 Who This Decade Of Decisions Is For 2:09 How RMDs Actually Work At 73 4:08 The Bracket Math That Breaks The Advice 6:57 The IRMAA Cliff And Two-Year Ambush 9:46 Inside The Roth Conversion Window 12:24 State, Heirs, And Longevity Variables 15:00 Three Steps To Run This Week → Roth Conversion & Retirement Tax Planner: https://cognitofinance.gumroad.com/l/... General education only — talk to a fee-only fiduciary or CPA before acting. See you in the next one. #RetirementPlanning #RothIRA #TaxPlanning #RothConversion #PersonalFinance