Seniors cheer a new $6,000 deduction. Twelve thousand for couples.
It looks like a gift.
But it hides a trap.
Because Roth conversions count as income.
Convert too much, and your deduction disappears.
Push your income too high, and the deduction vanishes entirely.
So the very move that could save you hundreds of thousands in lifetime taxes looks smaller, but the opportunity is still massive.
You do not stop converting because of a deduction.
You optimize the conversion so you get the real benefit.
The deduction is a distraction.
The real strategy is protecting your wealth from future tax hikes.
