Why West Virginia is the Perfect Example for 2026 Roth Planning?
he "Social Security Sweet Spot"
As of January 1, 2026, West Virginia has officially completed its three-year phase-out of state income tax on Social Security benefits.
The Strategy: Because Social Security is now 100% exempt from WV state tax, retirees have a lower "taxable income floor."
The Move: A well-prepared resident can use that "freed up" space in their state tax bracket to perform a Roth conversion without being pushed into a higher WV tax tier (which tops out at a modest 4.82% for 2026).
Read it here -https://hub.dwfinancialgroup.com/post/2026-roth-conversion-planning-west-virginia-tax-savings
