Roth Conversion Checklist

FREE RESOURCE - 2026 EDITION

The Roth Conversion Decision Checklist

12 questions every Floridian over 50 should answer before converting - including the Medicare trap most people miss until it's too late.

WHAT'S INSIDE

Is your tax rate likely to rise in retirement?

Can you pay the tax bill from outside the IRA?

Have you checked IRMAA thresholds for 2026?

Is your timeline right - or are you converting too late?

Does a partial conversion make more sense?

What does this do to your Social Security tax?

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Built by the team at Nelson Financial Planning - fiduciary advisors serving Central Florida for 40+ years. Our Certified Financial Fiduciary® (CF2®) advisors are legally and ethically bound to act in your best interest - always. Kristin Kalley, CPA, CFP® leads our in-house tax planning. Rob Field, NSSA, holds the only combined NSSA + IRMAA Planning certification within 50 miles of Winter Park.

READY FOR A SECOND OPINION?

Talk through your Roth conversion with a fiduciary advisor

The checklist will tell you what to look at. A conversation with our team will tell you what to do about it - specific to your accounts, your income, and your Florida retirement plan.

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Joel J. Garris is President and CEO of Nelson Financial Planning, Inc. and a FINRA Registered Representative with Nelson Ivest Brokerage Services, Inc. Investment advisory services through Nelson Advisory Services, Inc., a State of Florida registered investment advisor. Content is for informational purposes only and does not constitute personalized investment, tax, or legal advice.

Joel Garris, CFP, Certified Financial Fiduciary  |  Christina Lamb, IRS Enrolled Agent, Certified Financial Fiduciary  |  Kristin Kalley, CPA, CFP, Certified Financial Fiduciary  |  Rob Field, NSSA, IRMAA Certified Planning, Certified Financial Fiduciary  |  Zach Keister, Certified Financial Fiduciary, Chartered Retirement Planning Counselor  |  Chet Cowart, Certified Financial Fiduciary, Chartered Retirement Planning Counselor

www.NelsonFinancialPlanning.com  |  407-307-3061  |  Winter Park / Orlando, FL

Investment advice offered through Nelson Financial Planning. Past performance is not indicative of future results. The Morningstar X-Ray portfolio analysis is provided as an educational service and does not constitute investment advice or a solicitation. Nelson Financial Planning is a fiduciary firm — every advisor is a Certified Financial Fiduciary, legally required to act in the client's best interest. No account minimums.

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