Date: July 31st 2026

Time: 2pm ET | 1pm CT | 12pm MT | 11am PT

Duration: 120 Minutes

Description:

As the OBBB reshapes tax law and retirement planning, understanding Roth conversions has never been more important. For many people, this is no longer just a retirement strategy  it is a timely opportunity to create long-term tax flexibility, manage future tax exposure, and potentially protect more of what they have saved.

Roth conversions can be especially valuable because they allow you to move money from tax-deferred accounts into a tax-free account, creating diversification across future tax scenarios. That matters now more than ever, since tax rates, income thresholds, and retirement income planning rules are all in flux. While Roth IRAs have often been marketed to younger workers, many individuals over age 50 are finding that converting now may be one of the most strategic moves available, particularly if they expect higher taxes later or want more control over taxable income in retirement.

The potential benefits can be substantial. If tax rates rise in the future, converting at today’s rates could save hundreds of thousands of dollars over a retirement lifetime. In addition, carefully timed Roth conversions may help reduce or eliminate Medicare IRMAA surcharges, which can translate into thousands of dollars in annual healthcare savings. That makes Roth conversions not just a tax decision, but a broader retirement planning tool that can affect income, healthcare costs, estate planning, and cash flow.

A Roth conversion may be worth serious consideration if you are:

• In a lower-income year and want to take advantage of a lower tax bracket.

• Retired or semi-retired and not yet drawing full Social Security benefits.

• Concerned that future tax rates may be higher than they are today.

• Trying to reduce required minimum distributions later.

• Looking to pass on more tax-efficient assets to heirs.

• Managing income carefully to avoid higher Medicare premiums.

• Holding pre-tax retirement savings that may otherwise create a large future tax burden.

The key is not simply whether to convert, but how much to convert and when. A poorly timed conversion can trigger unnecessary taxes or increase Medicare costs, while a well-planned strategy can create lasting value. In a period of changing tax rules, this is the kind of planning decision that deserves close attention now rather than later.

This webinar will break down how recent legislation may affect Roth IRA strategies and highlight practical steps you can take to make informed, tax-efficient decisions for your retirement future.

Topics Covered:

• The SALT deduction and the SLAT phaseout.
• Understanding the 45.5% marginal rate when a Roth conversion causes SALT phaseout.
• Avoiding the 45.5 % SALT trap.
• Avoiding the 53.7 % QBI phaseout rate.
• Understanding the benefit of the new senior deduction and how the senior deduction impacts Roth conversions.
• Understanding how the SALT deduction, senior deduction, and changes to the charitable deduction will create a series of traps for the unwary that must be taken into account when analyzing Roth conversions.
• Key tax changes under the new administration and their implications for Roth conversions.
• The benefits of converting to a Roth IRA in today’s economic and legislative environment.
• Strategies to minimize taxes and maximize benefits during the conversion process, including oil and gas and charitable giving.
• How to determine if a Roth conversion is right for your financial situation.
• Why Roth conversions are better when a client has a taxable estate.
• Post-mortem Roth distributions
• Roth conversions for special needs beneficiaries
• And much, much more!

Learning Objectives :

• Determine the potential benefits of Roth conversions, including tax diversification, Medicare surcharge premium reduction, and estate maximization.
• Identify circumstances where Roth conversions may be advantageous, such as expecting future tax increases, managing irregular income, or having non-passive income losses.
• Recognize the importance of understanding the rules and strategies associated with Roth conversions, including Mega Roth and Mega Backdoor Roth, and identify who should not consider converting to a Roth.

Credits and Other information:

• Recommended CPE credit – 2.0
• Recommended field of study – Taxes
• Session Prerequisites and preparation: None
• Session learning level: Basic
• Location: Virtual/Online
• Delivery method: Group Internet Based
• Attendance Requirement:  Yes
• Session Duration: 120 Minutes

Who Will Benefit:

• CPA
• Enrolled Agents (EAs)
• Tax Professionals
• Attorneys
• Other Tax Preparers
• Finance professionals
• Financial planners

About Our Speaker

Robert S. Keebler, CPA/PFS, MST, AEP

Robert S. Keebler, CPA/PFS, MST, AEP (Distinguished), CGMA is a partner with Keebler & Associates, LLP and the current chairman of the AICPA Advanced Estate Planning Conference. In 2007 he was inducted into the Estate Planning Hall of Fame of National Association of Estate Planners & Councils. He has also been named by CPA Magazine as one of the Top 100 Most Influential Practitioners in the United States and one of the Top 40 Tax Advisors to Know During a Recession. His practice includes family wealth transfer and preservation planning, charitable giving, retirement distribution planning, and estate administration.