How It Works
A simple, transparent path from taxable to tax-free.
No paperwork until you decide to move forward. No surprises when you do.
- 01
Run the 60-second assessment
Answer 10 quick questions about your IRA, age, and tax situation. We use it to model your future tax exposure and compare it against a strategic Roth Conversion ladder.
- 02
Receive your conversion report
See, in plain language, your projected lifetime tax savings, optimal annual conversion amount, and how a Roth changes your retirement trajectory — every assumption disclosed.
- 03
A licensed specialist reviews your plan
If the math looks compelling, a licensed tax-aware specialist reviews your actual account statements and tax return at no cost or obligation.
- 04
Roth Conversion executed
If you choose to proceed, the direct custodian-to-custodian conversion is handled for you. The IRS recognizes the converted amount as ordinary income in the year of the conversion.
Frequently asked along the way
Will I owe taxes? Yes — the converted amount counts as ordinary income in the year of the conversion. The point is to pay tax now at today's known, lower rates instead of later at unknown, likely higher ones.
How long does it take? Direct custodian-to-custodian conversions typically settle in 5–10 business days. Multi-year laddered conversions are mapped out across your strategy horizon.
What about the tax bill? A specialist will model exactly how much to convert each year to stay inside a target bracket, and help you decide whether to pay the tax from outside funds (best) or from the conversion itself.