Convert your 401K to a Roth — without the tax shock.
Most people freeze up on Roth conversions because they've heard horror stories about giant tax bills. The truth: done right, a Roth conversion is one of the most powerful moves in retirement planning. We model the taxes, spread the conversion across years, and make sure you never jump into a bracket you didn't mean to.
What you get
We do the tax math before you sign anything
You'll see exactly what a conversion will cost this year, next year, and 10 years from now — in writing — before any money moves. No surprises at tax time.
Multi-year 'bracket-filling' strategy
Instead of converting everything at once, we convert just enough each year to fill your current tax bracket without spilling into the next one. Same total conversion, dramatically less tax.
Perfect for the gap years before RMDs & Social Security
The window between retiring and age 75 (when RMDs kick in) is often the lowest-income stretch of your life. That's the sweet spot to convert — and most people miss it.
Never pay conversion tax from the IRA itself
We coordinate with your cash accounts so the tax bill is paid from outside the IRA. Every dollar converted keeps growing tax-free for the rest of your life.
Who it's for
- Anyone with a large traditional 401K, IRA, TSP, or 403(b) balance
- Recently retired Nevadans in their 'gap years' before age 75
- High earners worried about future tax rates going up
- People who want to leave tax-free money to their kids or grandkids
- Anyone who's been told 'just convert it' but is scared to pull the trigger
Need more answers?
One conversation with a licensed Nevada advisor. No robocalls, no pressure — just a plan that fits.
Common questions
Won't I get hammered with taxes if I convert?
Only if you convert too much in one year. We almost never recommend converting a full balance at once. Instead, we spread it across multiple tax years — often 5 to 10 — so the tax hit stays in your current bracket. You end up with the same tax-free Roth, minus the panic.
Is there a 5-year rule I need to worry about?
Yes. Each conversion starts its own 5-year clock before the converted amount can be withdrawn penalty-free (if you're under 59½). We plan around it so you always have accessible dollars if you need them.
Can I still convert if I'm already taking RMDs?
Yes, but you must take your RMD for the year first — the RMD itself cannot be converted. After that, you can convert additional amounts on top. We build this into the annual plan.
What if tax rates go down instead of up?
That's the honest risk. But current rates are historically low, and they're scheduled to rise in 2026 unless Congress acts. For most Nevadans (no state income tax on IRA withdrawals), converting during today's rates is a strong bet.
Can I undo a conversion if I change my mind?
No — 'recharacterizations' of Roth conversions were eliminated in 2018. That's exactly why we model the numbers first, in writing, before any money moves.