We Leverage a Simple, Accurate, Roth Conversion Blueprint Tailored to You.
- No Out-of-Pocket Costs
- No Jumping Tax Brackets
- No Risk to Principal
A Roth IRA conversion shifts money from a traditional IRA to a Roth IRA.
Answer 10 key questions to calculate how much additional lifetime tax-free wealth a Roth Blueprint could unlock for you. This takes less than 2 minutes.
Avoid the Seven Hidden Costs of Traditional IRAs.
- Required Minimum Distributions – Traditional IRAs force you to take required distributions starting at age 73, whether you need the money or not. This creates unwanted taxable income and reduces your account balance for future growth.
- Taxes on Social Security – IRA distributions increase your taxable income bracket, thereby increasing both the portion of your Social Security that is taxable, and the rate.
- IRMAA Charges – Income-Related Monthly Adjustment Amounts can increase your Medicare premiums by thousands of dollars annually when IRA distributions push you into higher income brackets.
- Lost Opportunity Costs – Every dollar paid in taxes on IRA distributions is a dollar that could have continued growing tax-free. Over decades, this opportunity cost can represent hundreds of thousands in lost wealth.
- Single Filing Status – When one spouse passes away, the surviving spouse must file as single, pushing them into higher tax brackets on the same income level, dramatically increasing their tax burden.
- Generational Tax – Your heirs inherit the tax burden on traditional IRAs and must withdraw the entire balance within 10 years, often during their peak earning years when they're in the highest tax brackets.
- Future Tax Increases – With rising national debt and changing tax policies, many experts predict higher tax rates in the near future. Traditional IRAs expose you to this risk, while Roth accounts provide full protection.
