If most of your retirement money sits in a 401(k) or traditional IRA, you're probably carrying a quiet question into retirement: When should I pay the tax? The Roth Conversion Playbook answers it with a simple goal—cut your lifetime taxes, not just this year's bill. It's written for retirees and pre-retirees who want to turn tax-deferred savings into a flexible, tax-smart paycheck without stepping on Medicare or Social Security landmines.
You'll learn what a Roth conversion really is (and the common mistakes that make it backfire), how to "fill the bracket" with intention, and why some extra income can trigger hidden tax spikes like the Social Security tax torpedo. You'll also see how IRMAA Medicare premium cliffs work, how RMDs can trap you into forced high-tax years, and how to spot the prime conversion windows between work, Social Security, and required withdrawals.
What makes this book different is the playbook feel: practical, conversational, and built around a repeatable multi-year strategy. You'll get clear decision rules, real-world examples, and an annual review rhythm so you can adjust with confidence as markets, tax laws, and life change.
