The Borrelli Report — Roth Conversion Tax Bracket Optimizer

Step 1 of 4 — Your information

First name

Your age

Filing status

Married filing jointly

Single / individual

Are you age 65 or older?

Yes, age 65+

No, under 65

Step 2 of 4 — Your 2026 income

Ordinary / active income

W-2 wages, self-employment, pension, IRA and 401k distributions

Passive income

Rental income, limited partnership, non-qualified dividends

Long-term capital gains

Investments held more than 12 months — taxed at preferential 0%, 15%, or 20% rates

Annual Social Security benefit

Total annual benefit — up to 85% may be taxable

Step 3 of 4 — Your Roth conversion

Traditional IRA / 401k balance

Total pre-tax balance — used to estimate future required minimum distributions

Roth conversion amount this year

Amount to move from traditional IRA to Roth IRA in 2026 — counts as ordinary income

Step 4 of 4 — Your results

Get your complete strategy

Your 2026 snapshot is ready.