When do the current tax brackets sunset according to the speaker?

Craig Wear, CFP®Craig Wear, CFP® | Expert in Roth Conversions & Tax-Efficient Retirement Strategies for IRA Millionaires

“Why pay taxes now? Rates are low. Just wait.” That thinking will destroy retirements.

9 Sept 2025 · 1 min

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Craig Wear, CFP® explains why Roth conversions may be advantageous now despite GOP tax changes that lower rates: the current tax brackets are set to sunset in 2028, and historical patterns suggest rates often rise thereafter. Converting to a Roth before 2028 can lock in lower tax treatment, protect future withdrawals from potential tax hikes, and avoid required minimum distributions (RMDs), giving retirees more control over withdrawals.

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The Truth About Roth Conversions after the Tax Changes Some people think the new GOP tax law makes Roth conversions pointless. Why pay tax now if rates are going to stay low? Why not just keep your money under traditional IRA and worry about the taxes later? Well, here's the problem. These lower rates aren't forever the current brackets sunset in 2028, and history says tax rates often go up, not down. And if you wait until after the sunset, you could be converting at much higher tax rates, shrinking your retirement savings. A Roth conversion lets you pay tax today, lock in the lower rates and protect future withdrawals from tax hikes. And with no RMDs on a Roth, you keep full control over when and how you take money out. So while you think the new GOP law makes conversions less attractive, the reality is for many people, this window before 2828 especially might be the best time in decades to get it done.