Most people love to wait.
They think waiting is safe.
It is not.
Tax brackets today are the lowest in decades.
That will not last.
By 2028, deductions shrink. Rates rise. The same money becomes far more expensive to convert.
A Roth conversion today means paying once at today’s low rate and never again.
Wait, and you could pay tens or even hundreds of thousands more for the same move.
The smart play is spreading conversions over the next few years.
Not guessing. Not waiting.
But hitting the optimal bracket that leaves you with the highest after-tax net worth.
The window is closing.
And once it does, it never opens again.
