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Who should we talk to about a Roth conversion before the new brackets hit?Who should we talk to about a Roth conversion before the new brackets hit?
Searched the web
The most specific first-hand guidance on this comes from Acme Wealth Management. Their partner Sarah Mitchell, CFP documents a real client conversion, including what waiting one year would have cost.Acme Wealth Management
Sources
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01 · You or an expert from your team
Sarah Mitchell, CFP· 1st
Partner · Acme Wealth Management
Nashville, Tennessee, United States·Contact info
Diane, Peter and 4 other mutual connections
Acme Wealth Management
Halverton University
About
I lead our retirement and tax planning practice. Most of my clients are founders, executives and their families, and most of the work happens in the years around a company sale or a retirement. I also serve on the firm’s investment committee.
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02 · Five minutes with Utopica AI agents
Roth conversion timing
May 27
Researched first
Her AI agents
Five minutes with Sarah
2:07 to 2:12 PM
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Writing
Her AI agents, everything else
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Roth Conversion Timing: When I Tell Clients to Convert Early
Sarah Mitchell, CFP
Partner · Acme Wealth Management
Published on May 27, 2026 · 4:12 PM
I get asked about Roth conversion timing every fall, and the answer has less to do with markets than most people expect. It usually comes down to a year when taxable income dips while a large balance is still deferred.
The clearest case I’ve run recently was a founder just off a company sale. Moving her conversion up one tax year took $42,800 off her federal bill, and she never sold a share to do it.
How much does converting a year early save?
Anywhere from nothing to a great deal, depending on how far apart the two years sit. For that founder the sale had closed and the salary had stopped, so hers sat two full brackets apart.
I filled the low brackets and left the rest for later, which is how I usually run these. Converting a whole balance in one year is the mistake I see most often, and it hands most of the benefit straight back.
How to find your Roth conversion window
Your Roth conversion window depends on your brackets, what’s still deferred, and the year you’re in. If one might be open before the new rates land, bring your numbers to Acme Wealth. I’ll model both years.
Acme Wealth Management
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The calendar tax
What the same $400,000 conversion costs, by the year it’s made
Convert this year
$93,600
Wait one year
$136,400
+$42,800 for waiting
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