Press release
Vincent Virga, Founder & CEO of PFS Wealth Management Group, Discussing Roth Conversions on Steroids.
Vincent Virga Discusses Roth Conversions on Steroids: How Retirees Can Combine Roth Strategies and Rule 7702 Planning in 2026 to Manage Long-Term Tax Exposure
2026 is an important year for retirees to review their long-term tax strategy. It focuses on how Roth conversions can help reduce future taxable income and how some retirees also review properly structured life insurance under Rule 7702 for added tax flexibility. It clarifies that both tools serve different purposes. It encourages retirees to speak with qualified professionals to decide if these strategies fit their needs.
Rising uncertainty about future income tax rates, the scheduled changes set to take effect in 2026, and reductions in the federal estate-tax exclusion have created an urgency for retirees and near-retirees to reexamine how they manage tax exposure across the remainder of their lifetimes. A coordinated plan that blends intentional Roth conversions with well-designed IRC 7702-qualified life insurance solutions can help create tax-diversified, flexible retirement balance sheets and reduce the risk of large taxable distributions for heirs. https://www.investopedia.com/major-2026-tax-bracket-changes-and-what-they-mean-for-retirement-planning-11860631?utm_source=chatgpt.com
"Roth conversions remove future tax uncertainty by paying tax now and creating tax-free buckets later, while 7702-qualified cash-value life insurance offers another tax-favored vehicle for cash accumulation and tax-efficient transfers," Vicent explained.
Why 2026 matters
Several widely-reported developments make 2026 a critical planning year: federal income tax brackets and many individual provisions are changing after earlier expirations, and the lifetime federal estate-tax exclusion is scheduled to decline compared with recent years - both drivers of potentially higher tax burdens for retirees and beneficiaries. That combination increases the value of pre-emptive, tax-aware moves such as Roth conversions and tax-efficient life insurance design.
What "Roth Conversions on Steroids" means
This integrated approach uses three coordinated tools:
* Strategic, staged Roth conversions - converting Traditional IRA/401(k) assets to Roth IRAs in targeted low-income years to lock in current tax rates, avoid future required minimum distribution (RMD) tax spikes, and reduce taxable income that could otherwise compound into larger tax events for heirs.
* IRC 7702-compliant cash-value life insurance (7702 planning) - properly structured permanent life insurance that satisfies the tax-code tests under 7702 so cash value growth and policy loans can deliver tax-advantaged liquidity, and death benefits pass tax-efficiently to beneficiaries. These policies can serve as a complement to Roth buckets by providing tax-sheltered accumulation and legacy planning flexibility.
* Holistic coordination with Medicare, IRMAA, and estate rules - because Roth conversions increase taxable income in the conversion year, planners need to model impacts on Medicare Part B/D surcharges (IRMAA), Social Security taxation, and estate tax exposure. Combining modest, multi-year Roth conversions with 7702 policy design can smooth taxable income and preserve net benefits. https://www.kiplinger.com/retirement/roth-iras/how-to-plan-this-years-roth-conversion?utm_source=chatgpt.com
Typical outcomes and who benefits
* High-net-worth retirees concerned about future estate taxes and heirs' tax bills: can reduce future taxable distributions and create a mix of tax-free and tax-favored assets.
* Retirees expecting higher future tax rates: benefit from converting assets while current rates remain comparatively lower. https://www.barrons.com/articles/roth-traditional-ira-conversion-retirement-planning-9162ec06?utm_source=chatgpt.com
* Those seeking tax-flexible liquidity (to pay long-term care, bridge cash shortfalls, or fund legacy gifts): may find 7702-qualified policies provide useful, tax-efficient access to cash via loans or withdrawals when structured correctly. https://www.insurancegeek.com/retirement/7702-plans/?utm_source=chatgpt.com
Realistic next steps for retirees
* Gather current account balances, recent tax returns, projected retirement income, and existing life-insurance illustrations.
* Ask an accredited financial planner and tax advisor to run Roth conversion scenarios for the next 3-7 years.
* If considering 7702 planning, obtain multiple in-force illustrations and independent actuarial reviews to compare net-of-cost accumulation and access options.
* Revisit estate documents and beneficiary designations so they reflect any new Roth or life-insurance allocations.
Vincent shared: "My team is excited to help retirees understand how changing tax rules may affect their long-term income. Roth conversion strategies give you a way to review your tax exposure with clarity and purpose."
About Vincent Virga
Vincent Virga is a financial adviser, author, and CEO of PFS Wealth Management Group. He began his career on Wall Street in 1990 and moved to Main Street to help pre-retirees and retirees build clear and structured tax-efficient financial and retirement plans. He has been married for 33 years to his high school sweetheart. He has recently completed an IRONMAN and the NYC Marathon, achievements that reflect his discipline and drive. He brings that same commitment to the families he and his team serve each day.
Learn more: www.pfswealthgroup.com [http://www.pfswealthgroup.com/]
Insurance products are offered through the insurance business PFS Wealth Management Group. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by PFS Wealth Management Group are not subject to Investment Advisor requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. PFS Wealth Management Group is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by PFS Wealth Management Group. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. A PR firm was paid to assist with media placement. 03553257- 12/25
Media Contact
Company Name: Marketing Huddle, LLC
Contact Person: Mike Saunders, MBA
Email: Send Email [http://www.universalpressrelease.com/?pr=vincent-virga-founder-ceo-of-pfs-wealth-management-group-discussing-roth-conversions-on-steroids]
Phone: 7202323112
Country: United States
Website: https://www.AuthorityPositioningCoach.com
Legal Disclaimer: Information contained on this page is provided by an independent third-party content provider. GetNews makes no warranties or responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you are affiliated with this article or have any complaints or copyright issues related to this article and would like it to be removed, please contact retract@swscontact.com
This release was published on openPR.
Permanent link to this press release:
Copy
Please set a link in the press area of your homepage to this press release on openPR. openPR disclaims liability for any content contained in this release.
You can edit or delete your press release Vincent Virga, Founder & CEO of PFS Wealth Management Group, Discussing Roth Conversions on Steroids. here
News-ID: 4321645 • Views: …
More Releases from Getnews
Los Angeles Origami Artist Jade Huynh Announces Landmark Season of Exhibitions a …
Founder of SVVAN Origami enters milestone year with national exhibitions, exclusive art experiences, and creative collaborations across art, sports, and fine dining.
Image: https://www.globalnewslines.com/uploads/2025/12/14b44cb3d915065d00eb4607cd92003a.jpg
Los Angeles Origami Artist Jade Huynh Announces Landmark Season of Exhibitions, Creative Collaborations, and National Partnerships.
Founder of SVVAN Origami, enters a milestone year with a series of national exhibitions, exclusive art experiences, and creative partnerships across art, sports, community, and fine dining. Known for her sculptural floral installations…
Imperial Event Rentals announces its expanded deployment of structure tents for …
Image: https://www.globalnewslines.com/uploads/2025/12/1766063695.jpg
Imperial Event Rentals announces its reinforced participation as one of the key providers of structure tents and comprehensive equipment for Art Basel Miami 2025, in Miami, FL, consolidating its role as a strategic ally for galleries, international brands and organizers that require high-level build-outs during the most influential art week on the continent.
The company, a leader in the rental of temporary structures, luxury furniture and technical solutions in Florida,…
TYPHON Machinery Is Named eBay Exporter of the Year 2025, Cementing Its Leadersh …
Image: https://www.globalnewslines.com/uploads/2025/12/92c0e3a6dcd7921a5496ebd5df9ba98e.jpg
Singapore - 18 December, 2025 - TYPHON Machinery [https://typhonmachinery.com/?srsltid=AfmBOoqoXqswTvGal4r9W1v8_Cx4NU3fop0e8nMqx8my8DkctAR7SUhM], a global manufacturer and exporter of compact construction and material-handling equipment, has been named Exporter of the Year 2025 in the Business & Industrials category by eBay.com, recognizing its exceptional performance in cross-border trade and rapid growth in international markets.
The award was presented at eBay's Exporter of the Year Awards ceremony in Hanoi, Vietnam, on 17 December 2025, highlighting TYPHON…
China's Capital Market: Marching Toward High-Quality Development
China's capital market has become a core force in supporting economic transformation. Since the 20th National Congress of the Communist Party of China, reforms have accelerated, guided by the Party Central Committee with Xi Jinping at its core. Measures such as the STAR Market, the rollout of the registration-based system, and the new "Nine-Point Guidelines" have reshaped market structure and strengthened long-term development.
Growth in Scale and Better Market Structure
During the…
More Releases for Roth
Gold IRA Setup For Beginners: Traditional, Roth, SEP & Custodian Guide Released
Gold IRA Companies Bulletin - a website and newsletter dedicated to precious metal investment news, reviews, and commentary - has released an updated guide to setting up a Gold IRA.
Image: https://www.globalnewslines.com/uploads/2025/03/c94fa2711d5e68b26b438f6f684d195a.jpg
Houston, United States - March 03, 2025 - The guide, launched in 2014 and fully updated as of 2025, helps individuals who are interested in diversifying their portfolios by investing in precious metals but are unsure of how to start.…
Global PECVD Market - Centrotherm, Roth-Rau, ASMI, Gebr.Schmid & Jonas & Redmann
The Market N Reports report offers majority of the latest and newest industry data that covers the overall market situation along with future prospects for PECVD market around the globe. The research study includes significant data and also forecasts of the global market which makes the research report a helpful resource for marketing people, analysts, industry executives, consultants, sales and product managers, and other people who are in need of…
Carruthers & Roth Attorney and Clients Featured on Reality TV Show
GREENSBORO, NC – A Carruthers & Roth litigator and two of the firm’s clients were featured on a recent episode of the prime time, Emmy-nominated series HOARDERS on A&E Television, a show that seeks to help compulsive hoarders who are in a crisis situation due to their disorder.
The journey to national TV began when Carruthers & Roth attorney Elizabeth Zook helped her clients Michael and Eric Fuko-Rizzo buy…
Debbie Roth Joins RE/MAX Alliance Group in the Bradenton, Florida, Office
BRADENTON, FLORIDA – Broker-Associate Debbie Roth has joined RE/MAX Alliance Group’s Bradenton Office on Manatee Avenue. A seasoned professional with more than 31 years in the real estate industry, she is experienced in short sales and Real Estate Owned (REO) properties.
Roth is active in the real estate community and has served as president for both the Manatee Association of Realtors and Women’s Council of Realtors. She currently serves…
IRA-to-Roth Deadline Nearly Here
Time is running out on a one-time tax deal for investors who want to transfer, or "convert," money from a taxable individual retirement account to a Roth IRA.
Thanks to a law that took effect Jan. 1, all taxpayers are now permitted to convert a regular IRA to a Roth. Before then, conversions weren't allowed for those earning more than $100,000. (Roth IRA contributions, in contrast, remain off-limits for individuals with…
Wisconsin Joins Other States and Signs Roth IRA Reform Act
Until recently, Wisconsin was the only state in the nation that had restrictions on Roth IRA conversions. The recent change allows Wisconsin to catch up with the rest of the country.
Federal law was changed to allow conversions for people of all incomes without penalties as of January 1, 2010. Most states adopted the standard, but Wisconsin continued to charge penalties for residents who earned more than $100,000 annually.…
