Roth Conversion Tax Planning
We model the math—pro-rata rules, brackets, IRMAA, and ACA cliffs—before you execute.
Most of the damage we see from Roth conversions is self-inflicted and permanent. Someone converts in the wrong year, trips the pro-rata rule, crosses an income line they did not know was there, and finds out in April — after the deadline to undo it has passed. A conversion cannot be reversed. The only place to get it right is before you make it.
That is the work. Roth conversion tax planning is a service our office delivers remotely, nationwide: we model the conversion against your actual accounts and income, and hand you the exact number to convert before you move a single dollar.
Is this you?
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Earn too much
- You earn too much to contribute directly and need a clean backdoor Roth, mega backdoor Roth(), or spousal backdoor Roth
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Old IRAs in the way
- You have old pretax IRAs in the way and need to execute a reverse rollover to clear the path.
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Retired & converting
- You are retired and want to convert systematically in the low-income window, but need to know when converting stops making sense.
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Medicare & ACA cliffs
- You are worried conversion income will trigger the Medicare IRMAA surcharge or the harsh ACA subsidy cliff.
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Fixing a mistake
- You tripped the pro-rata rule or over-contributed and need to fix a backdoor Roth mistake while the IRS clock is still running.
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Column
- You are trying to settle the fundamental question of whether you should be funding Roth or pretax in the first place.