The Roth Conversion Playbook

The years between your retirement and age 73 are the only low-income window of your life. It is the one and only time to shift money from Traditional to Roth at low tax brackets. Miss this window and every dollar left in Traditional accounts becomes a tax bomb — for you when RMDs start at 73, and for your heirs under the 10-year rule.

For most retirees, using this window well saves $100,000 to $400,000 in lifetime household tax. Wasting it costs the same.

WHAT'S INSIDE — 35 PAGES:

- The three tax buckets explained (Traditional, Taxable, Roth)

- The 8-year window mechanics from retirement to 73

- Bracket-filling strategy with both MFJ and single 2024 tax tables

- The bend-point calculation explained step-by-step

- IRMAA integration with MAGI math

- The conversion ladder for early retirees (before 59½)

- Both 5-year rules explained (account age vs per-conversion)

- Social Security interaction via provisional income

- State tax strategies including the state-move play

- Custodian step-by-steps for Fidelity, Vanguard, Schwab

- Six specific situations when NOT to convert

- Complete bracket-space calculator worksheet

- 8-year conversion plan template

- Three broker call scripts

- Top 10 Roth conversion mistakes

SIX REAL CASE STUDIES:

- Marie, the retirement-window optimizer (converts $221K over 8 years, saves $220K lifetime)

- David, the pre-Medicare convert (aggressive $490K conversion before IRMAA applies)

- Sarah & James, the IRMAA-aware plan (converts $325K with zero surcharge)

- Robert, the deliberate cross (single-year $500K conversion saves heirs $150K)

- Lisa, the 55-year-old ladder builder (early retiree Roth ladder)

- Linda, the Social-Security-aware plan (file now vs delay and convert comparison)

WHO IT'S FOR:

- Retirees ages 55–72 with Traditional IRA or 401(k) balances

- Anyone within 8 years of age 73 (RMD start)

- Early retirees wanting penalty-free access to retirement savings

- Anyone planning to leave a tax-efficient inheritance

FORMAT: PDF, 35 pages, instant download. Readable on any device.

All content is educational reference material and is explicitly not personalized financial advice.

Written by Rabbi Mizrahi.