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Roth Conversions Over Multiple Years

Spreading Roth conversions over multiple years to minimize tax-related effects on Social Security and Medicare

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Jan 16, 2026

Are Roth conversions spread over multiple years to minimize Social Security tax impact?

Yes — spreading Roth conversions over multiple years is a commonly recommended tactic to minimize the tax-related knock‑on effects to Social Security and Medicare, because partial conversions let reti...