The NEW Way to Do Roth Conversions in 2026

Schedule a free 15-min call: ➡️https://ty-bernicke.showrunner.one/r/... - Understanding the right roth conversion strategy in 2026 could help reduce future taxes and improve long-term retirement income. In this video, I explain how the one big beautiful bill act, future tax rate forecast, and changing tax rules may impact retirement tax planning decisions moving forward. I cover common roth conversion mistakes, strategies for managing modified adjusted gross income, and how affordable care act subsidy rules may affect roth conversion before medicare planning. I also discuss irmaa medicare surcharge concerns, rmd planning, and why some retirees use a delay social security roth conversion strategy to maximize lower tax brackets. You’ll also see a practical roth conversion case study, along with insights on asset location retirement, using non qualified funds conversion strategies, and incorporating charitable giving roth conversion planning into a tax-efficient retirement plan. If you’ve been wondering when to do roth conversion strategies and how to make smarter retirement tax decisions, this video breaks it down clearly and practically. - 00:00 – Why Old Roth Conversion Advice Could Backfire in 2026 01:18 – The Hidden ACA “Cliff” Most Retirees Miss 03:05 – Why This Couple Could Lose $95,000 04:12 – When Roth Conversions STILL Make Sense 05:31 – The New 2-Step Roth Conversion Strategy 07:02 – How to “Turbocharge” Your Tax Savings 09:03 – The $140K Tax Savings Case Study 11:08 – The Biggest Roth Conversion Mistake in 2026 12:37 – What Smart Retirement Tax Planning Looks Like Now - I’m Ty Bernicke, CFP® and President of Bernicke Wealth Management. I help people who are within 5 years of retirement make smarter financial decisions so they can retire with confidence. With over 28 years of experience, I share practical strategies to help you reduce taxes, organize your investments for income, and create a sustainable retirement plan. On this channel, you’ll learn about tax-efficient withdrawals, retirement income strategies, healthcare planning, and how to avoid the most common mistakes retirees make. My goal is simple: give you clear, actionable advice to help you make the most of your retirement years. If you’re serious about getting retirement right, you’re in the right place. - DISCLAIMER: Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor or by any client nor are they representative of any one client’s evaluation. Generally, ratings, rankings and recognition are base on information prepared and submitted by the advisor. Unless otherwise noted no fee was paid for consideration of any ranking or award. A more thorough disclosure of the criteria used in making these rankings is attached or is available by clicking on this link. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop. Advisory products and services offered by Investment Advisory Representatives through Bernicke Wealth Management, a Registered Investment Advisor. Securities offered by Registered Representatives through Private Client Services, Member FINRA/SIPC. Private Client Services and Bernicke Wealth Management are unaffiliated entities. Bernicke Wealth Management and Private Client Services do not offer legal or tax advice. Always consult a legal or tax professional regarding your specific situation. Individuals showing a CFP® designation hold an active CERTIFIED FINANCIAL PLANNER™ certification. To earn the CFP® designation, the individual had to complete an approved educational program, pass a rigorous examination and meet stringent experience requirements. Designation holders also adhere to a professional Code of Ethics and fulfill annual continuing education requirements to remain aware of current planning strategies and financial trends. You can find more information about this designation at CERTIFIED FINANCIAL PLANNER™ (CFP®) Certification. #rothconversion #retirementplanning #retirementtaxes