05/26/2026
Roth conversions can be a powerful long-term tax planning strategy, but for investors approaching Medicare age, timing matters more than many people realize.
In Part 3 of this series, we discuss a commonly overlooked issue: IRMAA surcharges and Medicare premium increases caused by higher taxable income after a Roth conversion.
Because Medicare looks back two years when calculating premiums, a Roth conversion today could increase future Part B and Part D costs even if the strategy still makes sense long term.
Thoughtful planning means understanding not just the tax impact, but also how conversions may affect Medicare thresholds and retirement income planning overall.
If you're considering a Roth conversion or wondering whether previous conversions were handled optimally, working with a Certified Financial Planner™ and tax professional can help ensure the strategy fits your overall financial picture.
This video is for educational purposes only and should not be considered personalized investment or tax advice. Tax laws are complex and subject to change. Individuals should consult qualified financial and tax professionals before implementing any Roth conversion strategy.
