Designed to do
3 things.
No out-of-pocket cost.
Most retirees keep only 4–7% of their savings in cash, which doesn't leave much room for large tax hits. A Roth Blueprint covers the taxes using the strategy itself, not your savings. We'll help you convert without emptying the coffers.
No jumping tax brackets.
Converting too much can push you into a higher marginal bracket. A Blueprint converts right up to the top of your current tax or IRMAA bracket each year — never a dollar over.
No reduction of income.
Any Roth conversion will alter your tax landscape, but the benefits won't be worth it if the conversion shrinks your bottom line. We model your conversions so your lifestyle needs are always prioritized.
The only retirement account
the IRS can’t tax.
Free personalized analysis — 9 questions, about 3 minutes, no SSN or phone number required.
Example — age 65, $500K IRA, married filing jointly. Illustrative only.
Roth Blueprint is an independent analysis tool. The report is educational and is not tax or investment advice.
Maximize Your
Social Security Benefits.
As a certified RSSA®, Michelle Oakley helps you navigate complex claiming rules to ensure you don’t leave tens of thousands of dollars on the table.
