{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Tax Matters | Advanced Tax Planning for High-Net-Worth Retirees","title":"Roth Conversions for Single Retirees Feeling the Painful 32% Bracket Jump | Episode 34","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/9dd4759b\"></iframe>","width":"100%","height":180,"duration":1893,"description":"Single filers often feel overlooked when discussing Roth Conversions. Most content is geared towards Married households, yet Single Retirees face pretty tight tax brackets, especially for the $2M-$8M single Retiree. In this episode, Garrett and Adam dive into why the income range between $200,000 and $250,000 represents a challenging income range for individual retirees considering a Roth Conversion in 2026. Between the 32% federal bracket jump, the 3.8% Net Investment Income Tax (NIIT), and the Tier 4 Medicare IRMAA surcharge....there's a lot of ditches to watch out for! Whether you are single by choice, divorce, or the loss of a spouse, this episode provides a better path forward to navigate retirement taxes.\n\nWe have developed a 5 step framework for what tax planning looks like for High-Net-Worth Retirees between $2M-$8M. It walks you through each season of the calendar year and how we implement tax-return driven financial planning for clients. Request a free resource using this link: https://www.retirementtaxmatters.com/checklist\n\n(00:00) – The Single Filer Dilemma\n(08:30) – Navigating $200k & the 32% Bracket\n(11:28) – Net Investment Income Tax & IRMAA Surcharges\n(15:47) – The RMD Threat & Roth Conversions\n(18:14) – Beneficiary Considerations\n(24:30) – Adapting After the Loss of a Spouse\n(29:20) – Tax Return Driven Financial Planning for Singles\n\nView our full disclosures here: https://www.retirementtaxmatters.com/disclosures","thumbnail_url":"https://img.transistorcdn.com/QMBp4ueQC8kgGJT6p5R0uXjrbcTiKAgi9QK0kiNMFPA/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wYzY3/YjA3YWZlMmM4NTRl/ZTkwNWI5NTYyYTZm/NmQzZi5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}