If you have a 401(k) or IRA and you're 58 to 72, this Roth conversion window matters

You have a seven-year Roth conversion window most people miss entirely.

Between the year you stop working and the year the IRS forces distributions at 73, your income drops, your bracket drops, and a door opens to convert traditional retirement savings to Roth at lower tax rates. Most people walk right past it. See the potential tax savings on your actual numbers.

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✓ Bracket-by-bracket modeling ✓ RMD projection ✓ IRMAA-aware
The three stages of retirement taxation

High. Low. High again.

Your working years put you in a high bracket. Retirement drops you into a low one. Then at 73, required distributions shove you back up, often higher than where you started. The window between stages two and three is where the work gets done.

32% 22% 12% strategic conversions Working years ages 45 to 65 The window ages 65 to 72 RMDs force you up age 73 and beyond
Your actual bracket Baseline income in the window Room to convert at low rates

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· Co-Founder, Red Cedar Wealth Advisors
(208) 915-8400 john@redcedarwealth.com
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Securities offered through Osaic Wealth, Inc., Member FINRA/SIPC. Investment Advisory Services offered through Osaic Advisory Services, LLC. Osaic Wealth and Osaic Advisory are separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth and Osaic Advisory. John Koyle is a Registered Representative of Osaic Wealth, Inc. and an Investment Advisor Representative of Osaic Advisory Services, LLC. Registered to offer securities in AZ, CA, CO, ID, MT, NV, OR, TX, UT, WA.

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