RetirePro Weekly · June 22, 2026
Use the gap years before RMDs
💡 Tip of the Week
After retirement but before age 73, many people see taxable income fall below $50,000 for singles. In that window you can convert traditional IRA amounts into a Roth while staying in the 12 percent bracket, which tops out at $23,850 single or $47,700 joint in 2026. Each conversion dollar moved now avoids future RMDs taxed at higher rates later. Run the numbers year by year so you do not push yourself into the 22 percent bracket unnecessarily. RetirePro shows exact conversion amounts that keep you in the target bracket each year.
🎯 Inside RetirePro
RetirePro shows your projected tax bracket year-by-year so you can spot Roth conversion windows before RMDs hit at 73.
Model My Tax Plan →📰 Featured in this issue
Social Security COLA 2027: What to Expect and How to Plan Now
When is the 2027 Social Security COLA announced, how is it calculated, and what should retirees expect? Plus how to plan smartly no matter the final number.
Roth 401(k) vs. Traditional 401(k): Which Is Right for You?
Roth 401(k) vs. Traditional 401(k) explained for 2026. Compare the tax math, see who should pick each, and learn why many savers split contributions between both.
The Retirement Health Stack: 7 Habits That Save You 6 Figures in Healthcare Costs
The average couple spends $315,000+ on healthcare in retirement. The retirees who spend half that aren't lucky — they built a system. Here are the 7 health + financial habits that protect both your body and your portfolio.
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