Roth Conversions & the Big, Beautiful Bill
Your 2025 Guide to Strategic Tax Planning Before Year-End
The clock is ticking. The One Big Beautiful Bill Act (OBBBA) introduced powerful new tax planning opportunities, but several of the most valuable apply only in 2025. For high earners with significant retirement savings, this may be the best year to take action—before unique deductions, a higher SALT cap, and other short-term advantages disappear.
This guide explains what’s changed, how it affects your IRA or 401(k), and the key steps to consider before December 31.
What You'll Learn:
- Key Tax Changes Under the Big, Beautiful Bill: See how permanent tax brackets, 2025-only deductions, and the temporary $40k SALT cap create opportunities this year.
- Roth Conversion vs. Roth Contribution: Understand the difference and why higher earners may benefit more from conversions than traditional contributions.
- Avoiding the IRMAA Trap: See how Roth conversions can raise your income (and your Medicare premiums) unless you plan carefully.
- Smart Conversion Strategies: Get tips to reduce taxes, avoid penalties, and coordinate with estate planning tools like the 709 gift tax return or FLPs.
- Year-End Roth Planning Checklist: A quick list to help you model conversion amounts, use 2025-only breaks, and plan for the estate exemption increase in 2026.
Who This Guide is For:
- High earners considering Roth conversions while 2025-only deductions and the higher SALT cap are in play
- Retirees or pre-retirees with large traditional IRAs or 401(k)s looking to manage future taxes
- Households preparing for the estate exemption increase to $15M per person ($30M per couple) starting in 2026
- Anyone aiming to coordinate income, tax, Medicare, and legacy planning in a single strategy
2025 may be the most important tax year of the decade.
Get the facts and take action while these opportunities are still available.
Fill out the form below to access the guide.