If you have a Traditional retirement account, the IRS owns a piece of every dollar inside it — and that share grows every year. A strategic Roth conversion gives you control over that tax bill and could save your family hundreds of thousands.
Get My Personalized ProjectionFor decades, the advice was to defer taxes until retirement. But for successful savers, retirement turned out to look very different than expected.
Successful savers often retire into the same — or higher — tax brackets they had during their working years, thanks to investment income, consulting, and continued earnings.
At age 73, Required Minimum Distributions kick in whether you need the money or not. These mandatory withdrawals are taxed at your full marginal rate — every single year.
When you pass a Traditional IRA to your children, the law now requires the entire account to be withdrawn and taxed within 10 years — often during their highest-earning years.
A Roth conversion isn't just moving money from one account to another. Done strategically — over multiple years, filling tax brackets, managing IRMAA — it's one of the most powerful tools available to high-net-worth retirees.
Convert during your lowest-income years to lock in today's known rate, instead of letting RMDs force you into unpredictable brackets later.
Roth IRAs have no Required Minimum Distributions. Your money can stay invested and growing — on your terms, not the IRS's schedule.
Inherited Roth IRAs pass income-tax-free. With a Traditional IRA, your children pay tax on every dollar — often during their highest-earning years.
Answer 7 quick questions and we'll model your optimal conversion strategy — bracket-by-bracket math, RMD elimination, IRMAA management, and projected legacy impact.
This strategy is designed for accredited investors with substantial retirement assets. Not everyone qualifies.
We'll personalize the analysis with your name throughout.
This determines which 2026 bracket structure applies to you.
This is your taxable income from your 1040 (line 15) — gross income minus the standard deduction and any 401(k)/IRA contributions, NOT your gross salary. Example: a couple earning $180K gross with the $32,200 standard deduction has taxable income around $148K.
The total you'd consider converting. Approximate is fine.
Paying the tax from a savings account or brokerage is significantly more efficient — the full converted amount goes into the Roth to compound tax-free. If IRA funds are used to pay the tax, less ends up inside the Roth.
State income tax adds to the conversion cost. Several states have no income tax (TX, FL, NV, WA, WY, SD, AK, TN, NH).
Helps frame the investment options inside your Roth.
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Up until age 73, both balances grow at the same rate. The strategies are equivalent in pure growth terms.
Starting at 73, the IRS forces Required Minimum Distributions from a Traditional IRA every year — money pulled out of the account, taxed as ordinary income at your bracket. That's a permanent drag on compounding. Year 1 alone: a — withdrawal taxed at —.
A Roth IRA has no RMDs. Every dollar keeps compounding tax-free. Over 12+ years, that difference accumulates into the gap you see in the chart below.
Under the SECURE Act's 10-year rule, most non-spouse beneficiaries must withdraw an inherited IRA completely within 10 years — and every dollar is taxed as ordinary income at their tax rate. If your children are in their peak earning years (24–32% bracket), your IRA balance is effectively discounted by that percentage before they receive it. An inherited Roth IRA follows the same 10-year rule — but all withdrawals are completely tax-free.
Educational only — not tax, legal, or investment advice. Consult a licensed CPA and financial advisor before acting. Projections use simplified assumptions and 7% annual growth — illustrative, not guaranteed. Securities offered through Concorde Investment Services, LLC. See full disclosures at sequent-rewm.com.
Once converted, the long-term benefits transform your retirement and your legacy.
All growth and qualified withdrawals are 100% tax-free. The IRS has no further claim on your retirement income.
Roth IRAs have no RMDs during your lifetime. Your capital can stay invested and growing for as long as you choose.
Your heirs inherit the account without facing the 10-year forced withdrawal tax burden of a Traditional IRA.
