{"id":6,"date":"2026-09-04T17:00:00","date_gmt":"2026-09-04T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/wealthsmartadvisory-com\/2026\/09\/04\/the-11-year-roth-window\/"},"modified":"2026-09-04T17:00:00","modified_gmt":"2026-09-04T17:00:00","slug":"the-11-year-roth-window","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/09\/04\/the-11-year-roth-window\/","title":{"rendered":"The 11-Year Roth Window"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/heinrich-edimo\/retiring-62-tax-remotion-videos-4892\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Couples retiring at 62 with $1.4M in a traditional 401(k) get 11 low-income years before required withdrawals begin at 73, creating a rare planning window.<br \/>\nWithout action, a portfolio growing at ~6% could reach ~$2.7M by required distributions, making first withdrawals near $100K and pushing income into low-20% brackets.<br \/>\nUsing bracket-filling Roth conversions during those lower-income years can shift ~$1.7M into tax-free growth for couples, with an overall tax cost near $250K.<br \/>\nBoth taxable accounts and mega backdoor contributions use after-tax money, but Roth treatment preserves tax-free retirement growth when the workplace plan supports it.<br \/>\nCurrent rules directed catch-up contributions for workers 50+ earning &gt;$150K to Roth accounts, and the strategy required plans with after-tax and Roth features.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Couples retiring at 62 with $1.4M in a traditional 401(k) get 11 low-income years before required withdrawals begin at 73, creating a rare planning window. Without action, a portfolio growing at ~6% could reach ~$2.7M by required distributions, making first withdrawals near $100K and pushing income into low-20% brackets. Using bracket-filling Roth conversions during those [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":32,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":0,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/6\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/32"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=6"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=6"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}