New Resource: Roth Conversion Strategy Guide for Pre-Retirees

The years between retirement and age 73 represent a unique tax planning window that many pre-retirees do not use effectively. The Roth Conversion Strategy Guide explains how to evaluate and execute Roth conversions in a way that reduces your lifetime tax burden.

The guide starts with the tax landscape: how traditional IRA and 401k distributions are taxed, how Roth distributions differ, and why the gap between retirement and Required Minimum Distribution age creates conversion opportunities that may never exist again.

We cover Roth conversion mechanics in detail: how to calculate the tax cost of conversions at different income levels, how conversions interact with Medicare premium surcharges, and how to model multi-year conversion strategies using tax bracket management.

The guide addresses the practical questions: which accounts to convert first, how to pay the tax on conversions, and how to think about the time horizon required for conversions to pay off. We include conversion calculators and worked examples for several common scenarios.

We also cover the estate planning dimension of Roth accounts: why Roth assets are often the best legacy assets to pass to heirs and how this consideration integrates with the tax optimization calculation.

Download the Roth Conversion Strategy Guide and start making the most of your pre-RMD years.