The Roth Conversion Window Most People Miss
You did the hard part. You built the savings. What happens next depends on decisions made before the rules change — not after. Between 2026 and 2028, a narrow planning window exists that may allow you to reposition retirement savings in a way that reduces future tax exposure and preserves flexibility. This isn’t about predictions. It’s about positioning.
Why This Matters More Than It Sounds
Most retirement plans are built on an assumption:
“I’ll deal with taxes later.”
Later is when options narrow.
Tax rules change based on budgets, demographics, and incentives — not personal plans. And when flexibility disappears, so does leverage.
If most of your savings are still tax-deferred, the real question isn’t how much you’ve saved — it’s how much will you keep when it really matters.
Why the 2026–2028 Window Is Different
Planning windows don’t announce themselves — they quietly open, then quietly close.
This one exists because of a rare overlap:
• Historically low tax rates
• Expiring provisions already written into law
• Growing government funding pressure
• Retirement accounts sitting in plain sight
Miss this window, and future decisions may be forced rather than chosen.
What This Review Actually Does
This isn’t a sales pitch.
It’s a clarity exercise.
The Roth Conversion Review looks at:
• How your retirement savings are currently positioned
• Whether a Roth conversion improves outcomes — or not
• The tradeoffs of acting now versus waiting
• How timing affects results
• Where flexibility still exists under today’s rules
Sometimes the answer is yes.
Sometimes it’s not yet.
Both are valuable to know before the window narrows.
Who This Is For
This review is designed for people who:
✔ Have built meaningful retirement savings
✔ Expect tax rules to change
✔ Prefer proactive decisions over reactive ones
✔ Want to understand their options before they disappear
If that’s you, this is worth your time.
How It Works (Simple by Design)
- Answer a short set of questions
- Your information is reviewed
- You receive a clear, personalized analysis
- Optional conversation if you want to walk through it
No meetings unless you want one.
No pressure to act.
No “sales salad.”
Control the timing. Understand the math. Decide with confidence.
The Real Cost of Waiting
Most people don’t miss planning windows because they weren’t smart enough. They miss them because they assumed there would be more time. This review helps you decide — with clarity — whether acting during this window makes sense for you.