Tax-Free Withdrawals in Retirement: Once converted, qualified withdrawals from your Roth IRA—both from your contributions and their growth—are entirely tax free. This helps provide control over your income tax level in retirement, allowing you to plan with confidence.
No Required Minimum Distributions (RMDs): Unlike traditional IRAs, Roth IRAs are exempt from lifetime RMDs. This allows your assets to continue growing tax free, supports more effective tax bracket management and offers greater flexibility in deciding when and how much to withdraw based on your needs.
Reduced Tax Liability: For high net worth investors, Roth IRA conversions can be timed to minimize taxes over your lifetime. Spreading conversions over multiple years or during periods of lower income can help you avoid being pushed into unwanted tax brackets and potentially reduce your overall tax liability.
A Tax-Conscious Legacy: Roth IRAs can play a central role in your estate plan. Funds converted today can be passed on to your beneficiaries, allowing them to make tax-free withdrawals (subject to some rules and restrictions). This helps you pass along a more tax-efficient legacy.
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Comprehensive Financial Review: We'll conduct an in-depth analysis of your current retirement portfolio, considering all IRA accounts (even those spread across multiple institutions) to ensure a Roth conversion aligns with your long-term goals.
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Personalized Tax Planning & Scenario Modeling: Understanding your unique tax situation is our priority. We can help illustrate the long-term implications of how various scenarios could impact your current and future tax liability, while taking your income and cash flow needs into account.*
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Coordination With Your Tax Adviser: While we don’t give tax advice, we can partner directly with your CPA or tax professional. This collaborative approach helps ensure your conversion strategy is optimized and implemented with precision.
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Hassle-Free Paperwork & Consolidation: We can support every aspect of the administrative process, from paperwork to transferring and consolidating IRAs under our management. Our team can communicate directly with other institutions to complete the necessary conversion steps—ensuring everything is accurate, timely and seamless for you.
The Five-Year Rule: For you or your beneficiaries to withdraw earnings tax free, your Roth IRA must be open for at least five years. Each conversion also receives its own five-year holding period. We can help you plan distributions with these timelines in mind so you can make withdrawals penalty free. See The 5-Year Roth IRA Conversion Rule—Simplified for more.
Unexpected Tax Consequences: A conversion increases your taxable income in the year you make it, which may push you into a higher tax bracket or even influence future Medicare premiums (IRMAA). We can partner closely with your existing CPA or tax professional to help ensure the final strategy is optimized and implemented correctly based on your tax professional’s advice.
Miscalculating the Pro-Rata Rule: If your IRAs include both pre-tax and after-tax contributions, IRS rules require you to calculate the taxable portion of each conversion using the pro-rata rule. For investors with significant wealth, this can become confusing and time-consuming. We specialize in simplifying these calculations and coordinating asset transfers, all while keeping you informed and empowered to make decisions with confidence.
Who is eligible for a Roth IRA conversion?
How much of my traditional IRA can I convert?
When is the best time to consider a Roth conversion?
What are the Roth conversion rules I need to know?
195,000+
individuals, families, businesses and institutions around the world
$382 Billion
in assets under management,
as of 12/31/2025
45+ Years
experience serving clients and helping them achieve their investment objectives
6,300
employees dedicated to your financial goals
