{"id":48,"date":"2026-09-18T09:00:00","date_gmt":"2026-09-18T09:00:00","guid":{"rendered":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/roth-conversion-window\/"},"modified":"2026-10-30T18:27:35","modified_gmt":"2026-10-30T18:27:35","slug":"roth-conversion-window","status":"publish","type":"post","link":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/roth-conversion-window\/","title":{"rendered":"The Roth conversion window most retirees miss"},"content":{"rendered":"<p>For many retirees, income drops sharply the year after work ends and stays low until Social Security and required withdrawals begin. Those years are a window.<\/p>\n<h2>Why the window matters<\/h2>\n<p>Converting part of a traditional IRA to a Roth in a low-income year means paying tax at a lower rate now instead of a higher rate later. The converted money then grows tax-free.<\/p>\n<p>A plan sets how much to convert each year so you stay inside a chosen bracket and avoid Medicare premium surcharges two years later.<\/p>\n<h2>What to check first<\/h2>\n<p>Cash to pay the tax from outside the IRA, your expected bracket in retirement and any health insurance credits that depend on income.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The years between your last paycheck and your first Social Security check can be the cheapest tax years of your life.<\/p>\n","protected":false},"author":1,"featured_media":17,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_averline_advisor":40,"_averline_minutes":6,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-48","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/posts\/48","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/comments?post=48"}],"version-history":[{"count":1,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/posts\/48\/revisions"}],"predecessor-version":[{"id":176,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/posts\/48\/revisions\/176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/media\/17"}],"wp:attachment":[{"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/media?parent=48"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/categories?post=48"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/templatesrocket.com\/demo\/averline-bricks\/wp-json\/wp\/v2\/tags?post=48"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}