Question

Much of the information on Roth conversions is about timing in early retirement, tax rates at that time, and then tax rates when RMDs, and perhaps when delayed Social Security, kicks in. The typical advice is do Roth conversions to fill lower brackets than one will be in later. But can it make sense to fill up the same bracket? Leaving out that tax rates may go up in 2026, and recognizing it would be a no-brainer to fill up the 12% bracket in this scenario, does it make sense to fill up the 22-24% bracket now if that is the bracket I will be in later?

Question

Much of the information on Roth conversions is about timing in early retirement, tax rates at that time, and then tax rates when RMDs, and perhaps when delayed Social Security, kicks in. The typical advice is do Roth conversions to fill lower brackets than one will be in later. But can it make sense to fill up the same bracket? Leaving out that tax rates may go up in 2026, and recognizing it would be a no-brainer to fill up the 12% bracket in this scenario, does it make sense to fill up the 22-24% bracket now if that is the bracket I will be in later?

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