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Roth IRA Conversions

The process of converting traditional IRA assets to Roth IRA assets and its tax implications

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Jan 18, 2026
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Which retirement account withdrawals (Roth vs. Traditional IRA vs. 401(k)) affect provisional income and how can timing reduce taxes on Social Security?

Traditional pre‑tax retirement withdrawals—distributions from traditional IRAs and traditional 401(k)s—raise your adjusted gross income and therefore count toward the IRS measure of “provisional” or “...

Feb 2, 2026

How do Roth conversions and required minimum distributions affect the taxability of future Social Security benefits?

raise taxable income in the conversion year and therefore can temporarily increase the portion of that is taxable, while completed Roth conversions reduce future required minimum distributions and fut...

Jan 20, 2026

How do IRA withdrawals and Roth conversions affect provisional income and Social Security taxes?

A retiree’s provisional (or combined) income — AGI + tax‑exempt interest + half of Social Security benefits — determines whether Social Security is taxable and up to what percentage; traditional IRA w...