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2025 Tax Reform – What It Means For Your Retirement

The “One Big Beautiful Bill Act” (“OBBBA”) was signed into law on July 4th, 2025. First, the One Big Beautiful Bill addresses the looming reversion to 2017 income tax rates, brackets, and other provisions. The financial services and tax preparation professionals have been reminding Americans that without a new tax law that income taxes would increase for 2026.

The Partial Roth Conversion is a Most Valuable Tax-Planning Strategy

The Roth IRA is one of the most important and available of all retirement and tax planning strategies. It is worth all this attention because it can substantially reduce the total income taxes paid by individuals, their families, and their beneficiaries. Now is a very good time to think about how we might use a Roth IRA or a Roth conversion to our advantage, for both 2025 and for future tax years.