Is Your ROTH Conversion Strategy Still Valid After OBBBA?
From Planned Solutions by Planned Solutions
March 12, 2026 · 32 min
About this episode
This episode discusses new tax deductions available in 2025 and the implications for Roth IRA conversions under the One Big Beautiful Bill Act.
In this episode of the Planned Solutions Podcast, we discuss several new tax deductions available in 2025. In addition, the qualifications and income limits for some existing tax deductions have changed. With so much change, it can be beneficial to review a summary of some of the deductions that may be available and the requirements to be able to qualify for the tax benefit. The increased tax deduction for taxpayers over age 65 under the One Big Beautiful Bill Act may create a reason to rethink Roth IRA conversions. The added deduction could cause taxpayers to have more room in lower tax brackets to add income through a Roth conversion that will be taxed at lower tax rates. However, the math is complicated, so it is advisable to consult a tax professional before committing to a strategy. Restricted Stock Units (RSUs) are a common form of employee compensation in some industries. Under these plans, employees receive shares of stock as part of their overall compensation. The value of the shares when they vest is then taxable to the employee and is subject to income tax withholding, as well as Social Security and Medicare tax withholding. The shares sold to cover these taxes must be…
Topics covered
- tax deductions
- Roth IRA conversions
- One Big Beautiful Bill Act
- Restricted Stock Units
- income tax
Keywords
- tax benefits
- income limits
- tax brackets
- tax professional
Mentioned in this episode
Products: Roth IRA, Restricted Stock Units
Places: Iran, the Middle East, Folsom, CA
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