✉news BusinessPersonal Finance first seen 1 d ago, last 18 h ago, peak #17

Year-End Roth Conversion Timing Can Push Tax Bill Into Next Year

Original: Convert $60,000 on Dec. 28 and the Custodian May Not Process It Until Jan. 3. It Then Counts for the New Year, and for a Retiree Going Back to Work Part-Time, Most of It Can Land at 22%

Personal finance writers are flagging a year-end trap for retirement savers: a Roth conversion of $60,000 placed on December 28 may not be processed by a custodian until January 3, meaning it counts for the new tax year instead of the current one. For a retiree returning to part-time work, that timing shift could push most of the converted amount into the 22% federal bracket, raising the tax bill.

Why now: Year-end deadline season is prompting savers to reconsider last-minute Roth conversion timing and its tax consequences.

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• Convert $60,000 on Dec. 28 and the Custodian May Not Process It Until Jan. 3. It Then Counts for the New Year, and for a Retiree Going Back to Work Part-Time, Most of It Can Land at 22% · 24/7 Wall St.

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