Pay Taxes Now,
Never Pay Again.

A Roth conversion involves moving money from a traditional IRA or 401(k) to a Roth IRA. You pay taxes on the converted amount now, but all future growth and withdrawals in retirement are tax-free.

High earners in their 50s and 60s who expect to be in the same or higher tax bracket in retirement, have time for tax-free growth, and want to reduce future required minimum distributions.

The best time is typically during lower-income years (early retirement, market downturns, or gaps between jobs) when you can convert at lower tax rates. We analyze your specific situation to find optimal timing.

The optimal amount depends on your current tax bracket, future income projections, and retirement timeline. We typically recommend staying within your current bracket or converting up to the next bracket ceiling.

No, Roth conversions became permanent starting in 2018. That's why proper planning and analysis before converting is crucial to avoid costly mistakes.

Yes, you'll owe taxes on the converted amount in the year you convert. We help you plan for the tax impact and coordinate with your overall tax strategy.

The goal is to fill your current tax bracket without pushing into the next one. For married filing jointly couples in the 22% bracket, this typically means converting $40,000-$80,000 per year. We model your specific income and deductions to find the optimal conversion amount each year.

Not necessarily. Converting in your 70s can still reduce future RMDs, lower IRMAA surcharges on Medicare premiums, and create a tax-free inheritance for your heirs. The analysis shifts from personal tax savings to legacy and Medicare cost reduction.

Roth conversions have no direct effect on your Social Security benefit amount. However, the converted amount increases your Modified Adjusted Gross Income (MAGI), which can increase the taxation of your Social Security benefits (up to 85% taxable) and trigger IRMAA surcharges on Medicare premiums two years later.