Retirement
How much Roth conversion should I do?
Quick Answer
Convert just enough to fill your current bracket. Common targets: top of 12% ($96,950 MFJ in 2025), top of 22% ($206,700), or top of 24% ($394,600). Stop short of IRMAA tiers ($206K and $258K MAGI) and NIIT thresholds. Re-evaluate yearly.
Warren Team
Updated April 26, 2026
37
Warren Team
Updated April 26, 2026
37
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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