3 Immediate Retirement Impacts from The New Tax Bill (OBBBA)

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The One Big Beautiful Bill Act (OBBBA) was passed in July and it’s already reshaping the retirement landscape, especially when it comes to tax strategy and account planning. In this episode, Scott breaks down the three biggest takeaways from the bill that directly impact your retirement accounts. From Rothification trends and expanded conversion opportunities to smarter ways to preserve income-based deductions, we’ll tell you what has changed and how to take advantage of it.

Here’s what we cover in this episode:
🔁 Rothification is accelerating – More contributions and catch-ups will be pushed into Roth buckets.
📆 Conversion windows expanded – Lower tax rates are extended, giving you more time for tax-smart Roth conversions.
📉 Income limits matter – New deductions come with phaseouts, so strategic use of tax-advantaged accounts (like IRAs & HSAs) is crucial.
🧠 Small moves add up – Stackable strategies like QCDs and bunching deductions can significantly lower lifetime taxes.
📊 You only have 4 tax years to act – Don't wait until 2028 to start planning—optimize now.

0:00 – Intro
1:20 – 1st takeaway
4:35 – 2nd Takeaway
6:52 – 3rd Takeaway
8:42 – Why you should act soon


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This video has been prepared for educational and marketing purposes only. The information in this video is general in nature, does not constitute personalized investment advice, and does not provide a complete analysis of the subjects discussed. All investments involve risk, and different types of investments involve varying degrees of risk. There can be no assurance that any specific investment strategy will be profitable or suitable to you.

Additionally, although information presented in this video is believed to be factual and up-to-date, we do not guarantee its accuracy. You should consult an attorney or tax professional regarding your specific legal or tax situation and should consult a professional adviser before implementing any of the strategies mentioned in this video.

Investment Advisory Services are offered through Elevated Capital Advisors, LLC, an SEC Registered Investment Adviser affiliated with Elevated Retirement Group, LLC. Registration as an investment adviser does not constitute an endorsement of Elevated Capital Advisors, LLC by securities regulators, nor does it indicate that the firm has attained a particular level of skill or ability.

Insurance advice and products may be offered by a third-party insurance producer, which may be affiliated with Elevated Retirement Group, LLC and Elevated Capital Advisors, LLC.

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