Roth Conversion
Take Control of Your Future Taxes — On Your Terms
Most retirement accounts are tax-deferred, not tax-free. That means the IRS is your silent partner — and Required Minimum Distributions (RMDs), higher tax brackets, and IRMAA surcharges can quietly erode your wealth later.
A well-designed Roth conversion strategy helps you move money from forever-taxed accounts into tax-free lifetime assets, while keeping today’s taxes under control.
Why Consider a Roth Conversion?
A Roth conversion allows you to intentionally pay taxes now — at known rates — instead of leaving your future tax bill to chance.
With proper planning, Roth conversions may help you:
- Create tax-free income in retirement
- Reduce or avoid future RMD-driven tax spikes
- Manage Medicare IRMAA surcharges
- Gain flexibility around Social Security taxation
- Leave more tax-efficient assets to heirs
This isn’t about converting everything at once. It’s about timing, precision, and coordination.
Our Roth Conversion Planning Approach
We don’t believe in one-size-fits-all conversions or “convert it all before 73” rules of thumb.
Instead, we build year-by-year Roth conversion plans designed to fit your income, tax brackets, and long-term goals.
Our process includes:
- Multi-year tax bracket planning to avoid bracket creep
- IRMAA impact analysis before conversions are executed
- Coordination with Social Security claiming strategies
- RMD forecasting to reduce future forced income
- Scenario modeling to compare lifetime tax outcomes
The goal: smoother taxes now, and fewer surprises later.
Who Roth Conversions Are Especially Powerful For
High Earners & Professionals
Strategically convert during lower-income years to reduce future RMD exposure and maintain tax flexibility.
Business Owners
Post-sale planning for SEP, SIMPLE, and Solo 401(k) assets — converting at the right time can dramatically improve long-term tax efficiency.
Physicians
Use tax-bracket-filling strategies to prevent large RMDs from pushing you into higher brackets later in retirement.
Pre-Retirees & Retirees
Blend withdrawals, Roth conversions, and Social Security timing to manage taxes and IRMAA thresholds year after year.
The elective deferral approach is often a fit for:
- How much of your current retirement savings actually belongs to you after future taxes?
- Could partial Roth conversions in your 50s or 60s reduce your lifetime tax bill?
- Will future RMDs push you into higher brackets — or trigger IRMAA surcharges?
- Do you have a written plan to shift money into tax-free or tax-advantaged buckets?
If you don’t have clear answers, you don’t have a Roth strategy — you have a guess.
One Smart Move Can Change Decades of Taxes
Roth conversions aren’t about chasing tax-free growth — they’re about owning your tax future.
The right plan can turn future taxable income into tax-free retirement dollars, while keeping today’s taxes intentional and controlled.