The Roth Conversions Window: How to Convert at 12-22% Rates in the OBBBA Era Before RMDs Force You Into 24-32% Brackets and Trigger Up to $15,000/Year in IRMAA Surcharges - Softcover

Bennet, Scott

Softcover

ISBN 10: 1805560352 ISBN 13: 9781805560357

Publisher: Scott Bennet, 2026

Synopsis

The First Book That Reveals the Post-OBBBA Trap — And How to Convert Your IRA in Your Gap Years Before RMDs Force You Into Higher Brackets and Trigger $15,000/Year IRMAA Penalties

Have you been told by your advisor that "now you have time" since OBBBA made tax brackets permanent — without anyone explaining what you're actually waiting for?
Been assured the 2027 deadline is gone so you can "relax and plan carefully" — while your gap years (ages 60-73) disappear silently, year after year?
Or heard you should "wait and see how things develop" — while your IRA balance grows and your conversion window shrinks?

Most retirees think OBBBA (the One Big Beautiful Bill Act of 2025) solved their Roth conversion problem.
Permanent tax brackets. Legislative stability. Time to decide.

And then they arrive at age 73 unprepared — only to discover that Required Minimum Distributions force them into higher brackets, trigger IRMAA Medicare surcharges, and set them up for the widow penalty that doubles taxes when the first spouse dies.

Introducing The Roth Conversions Window, a post-OBBBA retirement planning guide that exposes the Permanent Bracket Paradox and teaches you the G.A.P.S. System, a four-step framework showing you exactly how to convert at 12-22% rates during your gap years, before age 73 RMDs push you into 24-32% brackets and cost you $50,000-$150,000+ over your lifetime.

Here's a fraction of what awaits you:

• Why OBBBA's "permanent brackets" created a hidden trap — and how the Permanent Bracket Paradox costs retirees $75,000+ in avoidable taxes

• What gap years are (ages 60-73) — the only window when income is low but control remains, and why you can't recreate this opportunity after 73

• Why your advisor said "wait and see" — the structural incentive problem where conversions reduce their revenue, and the $15K-$25K annual cost of that advice

• The $75,000 mistake — a 20-year comparison showing exactly where inaction costs compound between strategic converters vs. those who wait

• IRMAA cliffs explained — why $218,000 vs. $218,001 MAGI costs couples $1,148/year, and can reach $14,964/year at higher tiers

• How RMDs accidentally trigger IRMAA — the cascade creating $30,000+ in Medicare penalties over 10 years that gap years conversions prevent

• The Widow Penalty — how filing status change cuts brackets in half while RMDs stay same, doubling tax rates on surviving spouse

• The 5 conversion profiles — and how to identify which fits your situation

• The G.A.P.S. System — the 4-Phase framework that transforms complex conversion decisions into clear year-by-year actions, and why structure eliminates the paralysis that costs retirees thousands

• Your 24-month Action Plan — month-by-month breakdown from data gathering through execution, review, and continuation decisions

• And much more!

Plus: 3 High-Value Bonuses That Boost Your Conversion Strategy

1. The G.A.P.S. Years Calculator (Excel): Calculate conversions, compare strategies, monitor IRMAA, project widow penalties, all with automated worksheets.
2. The 24-Month Action Plan Tracker (Excel): Track conversions, taxes, deadlines. Auto-updating dashboard keeps you on schedule.
3. Beyond the Gap Years (Ebook): Complex scenarios, IRMAA appeals, case studies, when to hire help. Advanced strategies simplified.

Scroll up and Get Your Copy of The Roth Conversions Window Today!

Edition details

• Publisher: Scott Bennet
• Publication date: 2026
• Language: English
• ISBN 10: 1805560352
• ISBN 13: 9781805560357
• Binding: Paperback
• Number of pages: 211