When a Roth Conversion Actually Makes Sense in 2026

Lucas and Luna break down the mathematics behind Roth IRA conversions, explaining why 2026's lower marginal tax rates may create a rare window for savers. They walk through the income thresholds, the pro-rata rule trap, and a concrete example of a hypothetical couple in the 22 percent bracket. The hosts also discuss how a donor-advised fund can pair with a conversion to offset the tax bill, and why waiting until December could backfire. No theory — just the numbers and the calendar. #RothConversion #TaxPlanning #Retirement #Finance #FexingoBusiness #IRA #ProRataRule #TaxBrackets2026 #DonorAdvisedFund #CharitableGiving #TaxEfficiency #ConversionLadder #LucasAndLuna #BusinessPodcast #WealthManagement #PersonalFinance #RetirementPlanning #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo