The 2026 Roth Conversion Ladder and How to Use It

In this episode of The Tax Strategy Podcast, Lucas and Luna unpack the Roth conversion ladder — the strategy that lets you move pre-tax retirement money into a Roth IRA without blowing up your tax bracket. They walk through the five-year aging rule, the pro-rata rule, and how to sequence conversions across multiple years to keep your marginal rate steady. Using a concrete example of a 45-year-old planner with a $1.2 million traditional IRA, they show how converting $50,000 a year for five years can fund a tax-free early retirement. They also flag the 2026 tax bracket thresholds and why it matters that these are set to expire after 2025. No repeats of prior episodes — this is the ladder mechanics, not the nanny tax or home office deduction. If you've ever wondered how the rich retire before 59 and a half without penalties, this episode answers it. #RothConversionLadder #RothIRA #TaxStrategy #RetirementPlanning #EarlyRetirement #ProRataRule #FiveYearRule #TraditionalIRA #TaxBrackets #TaxFreeWithdrawal #Finance #TaxPlanning #Retirement #FexingoBusiness #BusinessPodcast #TaxTips #WealthManagement #2026Taxes Keep every episode free: buymeacoffee.com/fexingo