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Are You Sitting on a Future Tax Problem in Your IRA?

Your Roth Credit Score shows where you stand in two minutes. No email required. No pressure. Just clarity.

Lifetime tax savings estimate
Your RMD exposure
IRMAA risk level
Your conversion window
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What you don't know about your IRA may be the most expensive thing in your retirement plan.

Most people approaching retirement don't know how much of their pre-tax IRA will ultimately go to taxes. They haven't modeled their RMDs, they don't know their IRMAA exposure, and they haven't thought about what their heirs will actually receive after the IRS takes its share.

Your Roth Credit Score gives you a snapshot of that risk — and tells you whether your window to do something about it is open, closing, or still years away.

Your conversion priority level Know whether Roth conversion is essential, beneficial, optional, or low-value given your specific profile.
Estimated lifetime tax savings range A realistic range of what a proactive conversion strategy could save over your lifetime.
How much time you have left See whether your conversion window is measured in years or decades — and how urgency affects your options.
Your Medicare and RMD risk exposure Understand your IRMAA surcharge risk and annual RMD impact before they start forcing your hand.
Results are instant and completely private. No email, no follow-up, no data stored. We ask nothing from you but seven answers.
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Your Roth Credit Score
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Roth Credit Score
Est. Lifetime Tax Savings
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IRMAA Exposure
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RMD Elimination Potential
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Conversion Window
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What This Means For You
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No obligation · No sales pressure
Specific to your numbers

Why Your IRA Deserves a Closer Look

Most retirees overpay the IRS by six figures.
Find out if you're one of them.

The Roth Credit Score tells you whether your IRA is quietly building a future tax bill — for you, or for your heirs — and what your window to act actually looks like. The average pre-tax IRA balance for Americans approaching retirement exceeds $500,000. Left unconverted, that balance produces Required Minimum Distributions, IRMAA surcharges, and a tax bill your heirs may not see coming.

$100K+
Avg. Lifetime Tax Savings Found
Age 73
When RMDs Begin Closing Your Window
2 min
To Know Where You Stand
Why This Can't Wait

Three forces are quietly working against your retirement

Most people don't discover these risks until it's too late to do anything about them. The window to act is almost always between retirement and age 73. After that, your options narrow fast.

Age 73
RMDs force taxable income whether you need it or not
Required Minimum Distributions stack on top of Social Security and pension income, pushing you into higher brackets every year — and inflating your Medicare premiums in the process. Converting before RMDs begin is the most effective way to reduce this exposure.
Widow's Penalty
The surviving spouse often faces their highest-ever tax rate
When the first spouse passes, tax brackets compress immediately. The survivor files as single with nearly the same income — and pays at dramatically higher rates. Without a Roth strategy in place while both spouses are alive, there's no way to reverse course.
10 Years
Your heirs must drain your IRA within a decade
The SECURE Act eliminated the stretch IRA. Non-spouse beneficiaries pay taxes on every dollar they inherit from a traditional IRA — often during their peak earning years. Roth assets pass tax-free under the same rule, preserving significantly more family wealth.
The Cost of Inaction

Every year you wait, the math gets harder to reverse.

Roth conversion isn't a decision you can defer indefinitely. IRA balances grow. RMDs compound. Tax brackets compress after the first spouse's death. This is what the cost of waiting actually looks like.

Today
Full Window
Your bracket is known. Your RMD clock hasn't started. Multi-year conversion planning is maximally effective right now.
Act Now
3 Years From Now
Window Narrowing
Your IRA has grown. Fewer tax-efficient conversion years remain. The amount you'd need to convert annually to achieve the same outcome is rising.
Closing Fast
5 Years From Now
RMDs Approaching
Forced distributions begin stacking income. Medicare IRMAA thresholds become harder to manage. Conversion options are available but more constrained.
Compressed
Age 73+
RMDs In Force
RMDs are now mandatory. Conversions on top of RMDs increase your bracket exposure. Your heirs' inheritance is now primarily a pre-tax tax obligation.
Damage Control
The window isn't open forever — and most people don't realize it closed until it already has.

Surviving spouses of large-IRA households are the most common example: a plan that looked manageable at 65 becomes financially devastating at 72 when the first spouse dies and brackets compress overnight. Roth planning is one of the only tools that can prevent this — but only while both spouses are alive and the window is open.

See What Your Window Looks Like →

A RothEdge session shows you your exact numbers — no estimates, no guesswork, no pressure.

Proprietary Technology
RothEdge Logo
Ascend Financial Proprietary Software

Your Roth Credit Score identifies the opportunity. RothEdge quantifies it to the dollar. Our proprietary platform models your complete retirement tax picture in real time — with your actual numbers — so you don't leave guessing. You leave with a strategy you understand and feel confident implementing.

Live, real-time modeling sessions We run your numbers together — not a spreadsheet sent days later.
Principal integrity modeling We structure conversions to preserve your IRA balance even while paying conversion taxes.
Annual review & adjustment Your strategy is revisited each year as tax law, income, and goals evolve.
See Your Numbers in RothEdge →
What RothEdge Models for You
Multi-year tax bracket optimization
RMD projection & elimination modeling
Medicare IRMAA threshold analysis
Social Security taxation interaction
Widow's penalty & survivor scenarios
SECURE Act 10-year inheritance impact
Conversion timing & dollar-level scheduling
Full retirement income stack modeling
Common Questions

Everything you need to know

The questions we hear most from people who just received their Roth Credit Score and want to understand what it means.

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 completely tax-free with no Required Minimum Distributions. Unlike a Roth contribution, there are no income limits on conversions, and the amounts can be substantially 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 approach.
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 from non-IRA assets 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 see the full picture before committing.
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.
A RothEdge session is a live, screen-share conversation where we input your actual numbers and run your retirement tax picture in real time. We model your projected RMDs, IRMAA exposure, Social Security interaction, potential widow's penalty, and heir tax outcomes — and show you exactly what a multi-year conversion strategy would change. There's no obligation to proceed, and nothing will be presented until you've seen your complete picture and understand it.
Roth Conversion Resource Center

Go deeper on your Roth strategy

View all articles
Conversion Timing

The Roth Conversion Window: When Is the Best Time to Convert?

5 min · Feb 2026
General Education

One-Year vs. Multi-Year Conversions: What's Smarter?

7 min · Sep 2025
Widow's Penalty

The Widow's Penalty: Why Surviving Spouses Face the Highest Retirement Tax Rates

12 min · Mar 2025
Free · No Obligation

Your score identified the opportunity.
A RothEdge session shows you the numbers.

Most people come in thinking a Roth conversion is either too complicated or too late. Most leave having seen exactly what it changes — for their own retirement and for what they leave their family. No estimates. No pressure. Just your numbers.

Live RothEdge modeling session
Your actual numbers — not estimates
RMD, IRMAA & heir impact modeled
No obligation to proceed
Schedule My Roth Review →
Learn More About Roth Conversions

No obligation. No pressure. Just clarity.

Ascend Financial Group LLC  ·  Content on this page is for educational purposes only and does not constitute individualized financial, tax, or legal advice. Roth conversion suitability depends on your personal tax situation, timeline, and financial goals. Roth Credit Score results are illustrative estimates only and do not constitute a financial plan or recommendation. Consult a qualified advisor before making any financial decisions.