Pay taxes once, then never again.
A Roth conversion moves money from ‘taxed later’ to ‘never taxed again.’ Done in the right years and amounts, it can save six figures across a retirement.
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Your tax-deferred accounts are a future bill
Every dollar in a traditional IRA comes out as ordinary income, at whatever rate the future decides to charge.
RMDs will force the issue
Required distributions can push you into higher brackets exactly when you least want the income.
The window is open now
The low-bracket years between retiring and starting RMDs are the best conversion runway, and they are finite.
Convert too much and it backfires
Oversized conversions can spike your bracket and trigger IRMAA. The amount matters as much as the timing.
How we convert
Find the runway
We map the low-bracket years where conversions cost the least tax.
Size each year
We convert just enough to fill a bracket without tipping you into IRMAA or the next tier.
Watch the ripples
We track the effect on Social Security taxation and Medicare at the same time, so nothing is a surprise.
Common questions
How much should I convert to Roth each year?
Do I pay taxes immediately on a conversion?
Do Roth conversions affect my Social Security?
Can I undo a Roth conversion?
Ready to build tax-free income?
A complimentary conversation with an advisor, no cost and no pressure, just a clear look at where you stand.
Book a consultation →