The Roth Conversion & Tax-Bracket Command Center - Stackwise

Every dollar in your traditional IRA or 401(k) comes with an IOU to the IRS. The only questions are how much you'll pay, and when.

Leave it alone and required minimum distributions decide for you, often in your highest-tax years, stacked on Social Security and Medicare surcharges. Convert too much in one year and you can spill into a higher bracket, trip a Medicare IRMAA cliff or lose ACA subsidies.

The Roth Conversion & Tax-Bracket Command Center

Finds your number. It's built around the F.I.L.L. Method: Find your window, inventory your income, Line up your limits, and lock it in and log it.

WHAT YOU CAN DO WITH IT

✔ Get your "smart conversion" for 2026: the most you can convert while staying inside every guardrail you set

✔ See what's limiting you: your target bracket, Medicare IRMAA, the ACA cliff, your cash for the tax or your balance

✔ See the extra tax, your effective rate and your true rate on the next $1,000

✔ Catch 6 hidden traps: the Social Security torpedo, the shrinking senior deduction, the 0% gains zone, the 3.8% NIIT, IRMAA and the ACA cliff

✔ Compare 30+ years side by side: no conversions vs. your plan, in today's dollars, including a survivor test

✔ Log each conversion with its 5-year clock, plan your estimated tax payments and run a year-end checklist

WHAT'S INCLUDED (5 files + bonus EPUB)

📘 33-page Guide (PDF): Quick-Start, 2026 key numbers on one page, the F.I.L.L. Method, bracket filling, the six traps, IRMAA up close, paying the tax, the 5-year rules, step-by-step execution and a full worked example

📊 15-tab Workbook (Excel + Google Sheets): Dashboard, Your Profile, Conversion Planner, Bracket Map, IRMAA Guard, Lifetime Setup, Scenario A and B, Conversion Log, Tax Payments, December Checklist and 2026 Tax Tables. Real formulas, zero errors.

🖥 Roth Conversion Studio (HTML): opens in any browser, works offline, same math with live charts and a what-if slider

✍ 14 Fillable Worksheets (PDF): window map, income inventory, bracket room, trap check, IRMAA check, decision sheet, tax plan, 10-year plan, log and more

📄 5 Templates (Word): custodian conversion letter, CPA review request, decision memo, letter to your heirs and an SSA-44 prep sheet

📱 Bonus: The Guide as an EPUB eBook for your phone

THE EXAMPLE INSIDE

Mark (63) and Linda (62) have $1,050,000 pre-tax. Their 22% bracket has room for $221,000, but Medicare's IRMAA line caps their smart 2026 conversion at $191,000, for $36,490 of extra tax (19.1%). Doing nothing, their first RMD at 75 would be $85,886. Converting $150,000 a year from 63 to 69 cuts their largest RMD from $196,720 to $30,426.

HONEST BY DESIGN

No "convert everything now" hype. The kit shows when converting doesn't pay, tests your assumptions, and uses 2026 rules (the 2017 tax cuts did NOT expire; the 2025 law made today's brackets permanent).

WHO IT'S FOR

US pre-retirees and retirees, roughly 55 to 75, with money in traditional IRAs or 401(k)s: recently retired, delaying Social Security, already taking RMDs, early retirees on ACA plans, and couples planning for a survivor.

GOOD TO KNOW

• Instant digital download. Works with Microsoft Excel, Google Sheets, LibreOffice and any modern browser.

• 2026 federal rules verified October 2026. Update one Tax Tables tab for future years.

• Educational tool, not tax, legal or investment advice. Review conversions with a CPA or fee-only fiduciary planner.

Stack money. Be wise. · Stackwise