Common questions, answered.

Yes — the amount you convert from a Traditional IRA or 401(k) counts as ordinary income in the year you convert. The strategy is to pay that tax at today's known, historically low brackets instead of at unknown future rates.

A Roth Conversion moves money from a tax-deferred account (Traditional IRA, 401(k), 403(b)) into a Roth IRA. Once converted, all future growth and qualified withdrawals are 100% tax-free — and the Roth is exempt from Required Minimum Distributions.

Instead of converting your entire IRA in one year (which could push you into the top bracket), a ladder converts a strategic amount each year — staying inside a target bracket — until your tax-deferred balance is right-sized. We model the optimal ladder for your situation.

An individual conversion typically settles in 5–10 business days. A complete ladder strategy is usually planned across 3–10 years, depending on your IRA size, age, and target bracket.

No. Roth Playbook provides educational illustrations only. Any decision to convert should be made in consultation with a licensed financial professional and your tax advisor.

If you choose to work with a licensed specialist who implements your conversion strategy, the specialist is compensated by their advisory firm — there is no out-of-pocket cost to you for the review.

No. Your assessment answers are used to generate your illustration. Your contact details are only shared with a licensed specialist if you explicitly request a call.

Each Roth Conversion starts its own 5-year clock before the converted principal can be withdrawn penalty-free (if you're under 59½). The assessment factors this in based on your age and timeline.