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- 1Retiree, 70, Seeks Way to Shift $1 Million IRA Without Hurting Wife's Subsidy▼He's 70 and Wants to Move $1 Million Out of a Traditional IRA Without Costing His Wife Her Subsidy. Two Birthdays Decide How
A 70-year-old man with $1 million in a traditional IRA is looking for a way to move or withdraw the money without raising household income enough to cost his wife her health insurance subsidy. Commenters point out that two upcoming birthdays — his wife reaching Medicare eligibility age and required minimum distributions beginning — will shape which strategy works. The case highlights how Roth conversions, withdrawal timing and ACA subsidy cliffs interact for older American couples.
- 2Retired Couples Can Do Large Roth Conversions While Staying in the 22% Bracket▼A Retired Couple With $60,000 of Income Can Convert About $180,000 to a Roth This Year and Never Leave the 22% Bracket. The December Math Advisors Charge 1% a Year to Run
A financial analysis says a retired couple with $60,000 of annual income can convert roughly $180,000 from a traditional IRA to a Roth account in a single year without being pushed out of the 22% federal tax bracket. The piece walks through the December calculations used to fill remaining bracket space, math that wealth advisors charging about 1% a year typically perform for clients.
- 3Roth vs. Traditional IRA: How to choose in 2026▼Roth vs. Traditional IRA: The better choice isn’t as obvious as you might think — here’s how to make the call in 2026
Savers weighing Roth against Traditional IRAs face a closer call than many assume, with the right choice in 2026 depending on current versus expected future tax rates, income, and retirement timelines. Financial writers are walking readers through how to compare paying taxes now with a Roth against deferring them with a Traditional account, and when each strategy makes sense.
- 4Roth Conversions Can Keep Social Security Benefits Tax-Free●The Social Security Tax Formula Counts Every Dollar From a Traditional IRA and Zero From a Roth. Convert Before You Claim and Up to $10,000 a Year of Benefits Stays Off the Return
A personal finance analysis points out that withdrawals from a traditional IRA count as income in the formula that determines whether Social Security benefits are taxed, while Roth withdrawals do not. The argument is that converting a traditional IRA to a Roth before claiming benefits can keep up to $10,000 a year of Social Security income off a retiree's tax return, reducing total retirement taxes.
- 5Converting $40,000 a Year for a Decade Could Leave a $570,000 Tax-Free Roth●Convert $40,000 a Year From 62 to 72 and the Roth Holds About $570,000 at 73, With No Required Withdrawal on Any of It, Ever
A personal finance analysis outlines a strategy of converting $40,000 a year from a traditional retirement account to a Roth IRA between ages 62 and 72, which by age 73 would leave roughly $570,000 in the Roth. The appeal is that Roth accounts carry no required minimum distributions, so the money can keep growing tax-free for life and be passed on without forced withdrawals.
- 6Retirees Reminded About 2026 Required Minimum Distributions●Still Haven't Taken Your 2026 RMDs? Here's What You Need to Do.
Financial guidance outlet The Motley Fool is urging retirees who have not yet taken their 2026 required minimum distributions to act, outlining the steps needed to withdraw the mandated amounts from retirement accounts and avoid IRS penalties. The reminder targets people 73 and older with traditional IRAs and 401(k)s who must satisfy annual withdrawal rules.