The NEW Roth Conversion Strategy You've Never Been Taught (Yet)
How much should you convert to a Roth in 2026 now that the tax law changed? For a couple over 65 with a $2.5M IRA and a pension, filling the 22% bracket is often the wrong move. Josh Rendler breaks down the new $12,000 senior deduction, the income lines that quietly raise your Medicare and taxes, and how to find your one right-sized conversion number instead of just maxing a bracket. Free Ultimate Retirement Guide ➡️ https://motionretirement.com/#urg Interested in Working Together? ➡️ https://motionretirement.com/#start-here In this video: • Why the 2026 tax law removed the deadline that made fast Roth conversions urgent • How the new $12,000 senior deduction phases out between $150k and $250k of income • The three income lines that cap your conversion — senior deduction, IRMAA, and the 3.8% surtax • How to find your right-sized annual Roth conversion number instead of filling a bracket CHAPTERS 0:00 Introduction 0:53 The Tax Law Change That Killed The Deadline 2:38 New $12,000 Senior Deduction Explained 6:08 Three Income Lines That Cap Your Conversion 7:55 How Much To Convert Each Year 10:24 Why Age 63 Matters For Medicare RELATED LINKS Free Ultimate Retirement Guide ➡️ https://motionretirement.com/#urg Work With Josh's Team ➡️ https://motionretirement.com/#start-here --- Motion Retirement is an educational media brand. Content is for informational purposes only and does not constitute personalized financial, tax, or legal advice. Full disclaimer: https://motionretirement.com/#disclaimer Josh Rendler, CFP® | Partner at Define Financial | Award-winning retirement planning for retirees.
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