svetikd / Getty Images New 2026 tax brackets could impact retirees' financial strategies. Key Takeaways The IRS has released the 2026 federal income tax brackets, which will apply to tax returns filed in 2027. Understanding your tax bracket can help you make smarter moves, such as when to do a Roth conversion and what your retirement withdrawal strategy should be. Experts suggest performing Roth conversions in lower-income years, which can reduce tax burdens for both you and your heirs. The Inter ...