07/18/2026
Think a Roth conversion is about picking the right market dip? That's not actually the decision that costs households the most money.
The real risk shows up months later, when a conversion quietly pushes a household into a higher Medicare premium tier, crowds out capital-gains room they meant to use, or collides with RMDs that are about to start. None of that shows up on the day you convert. It shows up two years later, in the mail.
Households that model the full bracket window, this year's tax bracket, Medicare surcharges, retirement withdrawal timing, and gains room, together, as one decision, tend to convert the right amount in the right year and keep more of that money working for them long-term.
Read the full breakdown of why coordination (not timing) is what actually determines whether a Roth conversion pays off
👉 https://sfmadvisorgroup.com/roth-conversion-coordination/
