Stop letting the IRS be a majority partner in your retirement

A Roth conversion transfers money from your tax-deferred IRA or 401(k) into a Roth IRA. You pay income tax on the converted amount now, and in exchange, that money grows and distributes tax-free forever with no Required Minimum Distributions. Unlike a Roth contribution, there are no income limits on conversions, and the amounts can be much larger.

The optimal window is typically between retirement and age 73, when RMDs begin. During this period, your income is often at its lowest while your IRA balance continues to grow, creating a rare opportunity to convert at favorable tax rates before forced distributions push you into higher brackets. That said, late conversions after 73 can still be structured to your advantage with the right strategy.

This is one of the most common concerns and it's exactly what RothEdge is designed to address. We model conversion strategies that pay your taxes, while preserving your IRA principal. In many cases, we can structure multi-year conversions so that the tax cost is offset by the growth your Roth assets generate over time. We show you this modeling live before any decision is made.

In the short term, a conversion increases your income for that year, which can temporarily trigger Medicare IRMAA surcharges. However, by reducing future RMDs, a well-structured conversion typically lowers your long-term Medicare costs and can reduce or eliminate the taxation of your Social Security income. RothEdge models both the short-term cost and the long-term net benefit so you can see the full picture.

Roth assets pass to heirs completely income-tax-free. Under the SECURE Act's 10-year rule, most non-spouse beneficiaries must empty an inherited IRA within 10 years and every dollar from a traditional IRA is taxed as ordinary income, often at the heir's peak earning rates. Roth assets inherited under the same rule distribute tax-free. The difference in after-tax wealth to your family can be substantial.

Most CPAs and financial advisors can execute a Roth conversion, but with limited modeling capabilities. Very few model the full picture: bracket optimization, IRMAA thresholds, RMD projections, Social Security interaction, survivor scenarios, and heir taxation, all in one integrated analysis. RothEdge was built specifically because no existing tool did this adequately. We run this analysis live with you, so you understand the strategy before committing to anything.