Roth Conversion Playbook: The 2026 Guide to Roth Conversions, IRMAA, RMD Planning & Retirement Tax Strategy

Roth Conversions Can Save You Thousands — Or Cost You Thousands. Know the Difference.

Roth conversions are one of the most talked-about retirement tax strategies — and one of the most misunderstood. Done at the right time, in the right amount, they can dramatically reduce lifetime taxes and RMD exposure. Done wrong, they can spike your Medicare premiums, push you into a higher bracket, and create a tax bill you weren't prepared for.

Roth Conversion Playbook is a plain-English 2026 ebook from True North Wealth Management that cuts through the hype and walks you through the real mechanics of Roth conversions — when they help, when they backfire, and how to use them intentionally as part of a broader retirement tax strategy.

What You'll Learn

• What a Roth conversion actually is — and how it differs from a Roth contribution or backdoor Roth strategy
• Why the years between retirement and RMD age are often the best conversion window
• How tax bracket management shapes the real math of a conversion
• How IRMAA Medicare premium surcharges and Social Security taxation can change the true cost
• How to avoid the pro-rata rule trap and other common Roth conversion mistakes
• Why staged conversions are usually smarter than one large tax spike
• How to integrate Roth planning with RMD strategy, retirement timing, and legacy goals
• How surviving-spouse planning and Medicare premium cliffs affect the conversion decision

🎁 FREE Bonus Bundle — Valued at $197

Purchase this ebook today and instantly receive three premium bonus resources at no extra cost:

• Podcast MP4 (Value: $67) — An in-depth audio-visual walkthrough of real-world Roth conversion scenarios, IRMAA traps, and how to build a staged conversion strategy that actually works
• Explainer Video (Value: $67) — A clear visual breakdown of Roth conversion mechanics, tax bracket windows, RMD exposure, and the IRMAA cliff effect
• Slide Deck (Value: $63) — A professional reference presentation you can review, share with a spouse, or bring to your CPA or financial advisor meeting

Total Bonus Value: $197 — Yours FREE with your purchase.

Who This Is For

This guide is ideal for retirees and pre-retirees between ages 55–72 who are evaluating Roth conversions, managing RMD exposure, or trying to reduce their long-term tax burden. It's also a valuable resource for financial advisors, CPAs, and planners who work with clients on retirement income and tax strategy.

Disclosure: This ebook is for general educational and informational purposes only. It is not personalized financial, tax, legal, or investment advice. Roth conversion decisions depend on your tax bracket, account balances, age, retirement timing, income sources, Medicare effects, future RMD exposure, and household goals. Tax laws change. The 2026 tax brackets and IRMAA thresholds referenced are estimates based on published IRS guidance and may be adjusted annually for inflation. Before making conversion decisions, confirm the details with a qualified CPA, CFP, or financial advisor appropriate for your situation. True North Wealth Management, LLC is a Registered Investment Advisor in the state of Alaska. Registration does not imply a certain level of skill or training.