Five minutes · plain English · educational only

Your IRA has two owners. You, and the IRS.

See how a hypothetical funded Roth conversion uses an insurance carrier bonus to help offset the taxes triggered today; then understand the costs, limitations, and tradeoffs before deciding whether it deserves a closer look.

Watch how the strategy works before the tax window changes.

Continue with a short request

Private educational request

Want more of your retirement to be tax free? Start here.

A Roth conversion could turn part of your retirement into tax free income, and every tax year you wait narrows the window. A few basics, then you choose a time. No account, no documents, no obligation.

About how much do you have saved for retirement?

401(k), IRA, and other retirement accounts. This only decides your next step.

Sessions are for households with $100,000 or more in retirement savings. Below that we will send education instead of booking a call. Your answers are saved either way.

We use your phone only to coordinate this conversation. If you provide a phone number, we will text you only about appointment scheduling and meeting reminders. Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Your consent is not a condition of purchase. By continuing, your next step is picking a time on the calendar that follows; we confirm everything by email.

We never sell your information. See our Privacy Policy and Terms of Use.

Complimentary. No obligation. You keep your Conversion Snapshot either way.

Built for households with $100,000 or more in retirement savings.

Hypothetical illustration. Not a quote, rate, or guarantee. Fixed indexed annuity features vary by carrier and state. Roth conversions are taxable in the year converted and may not be suitable for every situation.

Why trust us? Not an insurance agency Annuity Explained is never paid a commission We explain cautions and reasons to keep learning Sources: FINRA · SEC · IRS · NAIC
7carriers surveyed for our rate board
279products tracked across those carriers
12plain-English guides in the library
47glossary terms, defined without jargon

As of August 3, 2026 · survey method at current annuity rates

What happens after the video.

Thirty minutes, three parts, no surprises.

01

You request a session

Start with your details in the secure next step. You receive a confirmation by email, along with the name and background of the licensed insurance professional team you will meet.

02

You walk your numbers

Thirty minutes on pre-tax balances, bracket space, tax mechanics, liquidity, and product terms. The session is educational and does not determine suitability or recommend a product.

03

You hear the honest answer

Including the strategy's limits and tradeoffs. Growth-first objectives require comparison with other approaches, and the session explains those comparisons in plain English without recommending a product.

Request your session

The fair question, answered up front

Is this just a way to sell an annuity?

The hypothetical strategy in the film uses a fixed indexed annuity as the vehicle. The session explains the mechanics, limitations, costs, and alternatives. It does not determine whether a product is appropriate for an attendee or recommend a product.

Educational only. Any guarantee discussed is backed by the claims-paying ability of the issuing insurer and is not FDIC-insured or bank-guaranteed.

Said plainly, before you book

  • Tradeoffs for growth-first objectives
  • Surrender periods limit access to your money for years
  • Growth annuities: carriers generally cap around 75% of assets
  • Conversions are taxable in the year converted and cannot be undone

Book the complimentary session

Not ready to talk?

Run the 90 second Roth conversion check first.

Eight questions, no documents, and your Conversion Snapshot: what a conversion could look like at your numbers, education only. Every figure labeled an illustration.

Start the check

Before you book

The three questions everyone asks.

What does the meeting cost?
Nothing. The meeting is complimentary and there is no obligation. Annuity Explained is an educational resource and matching service, not an insurance agency, and how we're compensated never depends on you buying anything. If you ever choose to buy a product through an advisor, the advisor may be paid a commission by the insurer. Ask them exactly how they are compensated.

Am I committing to anything by booking?
No. The call is educational. No products are named, no rates are quoted, and nothing is sold. It covers mechanics, cautions, alternatives, and questions for licensed professionals. It does not decide whether a product is appropriate for an attendee or tell an attendee to buy or avoid one.

Who will I meet with?
A licensed insurance professional team, introduced to you after you request a session. We keep identities off this page on purpose: nobody should be selling to you while you're still learning. You'll receive their names and background by email before the call.

Not ready yet? That's fine. Take the 90-second Roth conversion check with your own numbers, read the retirement tax picture, or start with what an annuity actually is.

Walk your own numbers, plainlyComplimentary educational session · licensed professional team · no obligation
Request a session