Five minutes · plain English · educational only
Every year you wait can narrow your opportunity to reduce taxable income in retirement.
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.
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.
You are all set
Thank you. Your answers are saved.
The strategy session is designed for households with $250,000 or more in retirement savings, so we will not ask for thirty minutes of your time yet. The education is yours either way, complimentary and in plain English.
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.
What happens after the video.
Thirty minutes, three parts, no surprises.
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.
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.
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.
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
The two-year lookback on Medicare premiums
Medicare premiums are set by your income from two years earlier, under a rule called IRMAA. A large Roth conversion this year can raise what you pay for Medicare two years from now, sometimes by hundreds of dollars a month. Conversions planned with the IRMAA thresholds in view keep the tax benefit without the premium surprise.
The five-year clock on converted dollars
Each Roth conversion starts its own five-year clock before that converted amount can be withdrawn penalty-free if you are under 59 1/2, and a separate five-year rule governs when earnings become tax-free. The clocks run per conversion, not per account. Timing conversions with the clocks in view is part of any honest Roth conversion plan.
Not ready to talk?
Run the 90 second Roth conversion check first.
Eight questions, no documents, and an educational snapshot of what a conversion could look like at your numbers. Every figure labeled an illustration.
Before you book
The three questions everyone asks.
What does the meeting cost?
Am I committing to anything by booking?
Who will I meet with?
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.