2 posts with this tag

Retirement Planning

Roth Conversions Before 2028: The Window Is Closing for Washington Residents

Washington residents with large traditional IRAs have a 21-month window to convert to Roth tax-free at the state level. Once the 9.9% income tax takes effect in 2028, that window closes.

09 Apr 2026 • 6 min read •

Public

Joe Wallin

Is Retirement Income Subject to Washington's 9.9% Income Tax? (Social Security, Pensions, 401(k), IRAs)

IRAs, 401(k)s, and pensions count toward the $1M threshold to the extent they’re in federal AGI; Social Security counts only to the extent it’s federally taxable (0%, 50%, or 85% depending on provisional income). The Roth conversion window before 2028 is the biggest planning opportunity.

07 Apr 2026 • 8 min read •

Public

Joe Wallin

Retirement Planning

Roth Conversions Before 2028: The Window Is Closing for Washington Residents

Is Retirement Income Subject to Washington's 9.9% Income Tax? (Social Security, Pensions, 401(k), IRAs)

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