High earners and families
You have built a substantial retirement balance and want to keep more of it out of the tax system later.
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Retirement tax strategy
Roth Excelerator
A deep-dive planning service for people who have built meaningful balances in pre-tax retirement accounts and want a real answer on whether moving some of that money into a Roth account makes sense.
Instead of guessing, we run the numbers across multiple years so you can see what makes sense before pulling the trigger.
At a glance
- Built for
- High earners with substantial pre-tax retirement assets
- Minimum threshold
- $500K in movable pre-tax qualified assets
- Planning horizon
- Multi-year, not a single tax season
- Core focus
- Tax-bucket diversification, conversion timing, RMD reduction
What it actually is
A plan, not a one-time transaction
Most Roth conversions happen on a whim. Maybe a CPA mentions the idea one year, a random amount gets converted, and that is the end of it. There is no real plan behind the move.
Roth Excelerator exists to fix that. It is a planning engagement built around your income, your retirement timeline, and the tax exposure you are likely to face later. Instead of looking at a single tax year, we model the years ahead so you can see the full picture before you move a dollar.
This is not a quick win or a product you buy in an afternoon. It is a long game, and it rewards people who are willing to plan accordingly.
Who it is for
Built for people with real pre-tax exposure
This service is for high earners, families, and anyone sitting on retirement balances who is starting to worry about being hammered by taxes later, especially the Required Minimum Distributions that force money out whether you need it or not.
Meaningful pre-tax savings
Traditional IRAs, old 401(k) rollovers, and other qualified accounts make up a large share of your net worth.
Long-term thinkers
You are planning in decades, not months, and would rather make an informed move than chase a quick win.
If you are a short-term thinker or just chasing a quick win, this is not the right fit. The value shows up over years, not weeks.
The three focus areas
What the plan is built to improve
01
Diversifying your tax buckets
Most people hold everything in pre-tax accounts and nothing in tax-free. That leaves fewer options later.
We help spread your savings across taxable, tax-deferred, and tax-free buckets so your retirement income is not boxed into one corner.
02
Getting the timing right
Converting in a year when income spikes is usually a bad idea. Converting in a low-income year can save a fortune.
We look at where you are now, where tax rates may be heading, and when the right conversion window actually opens.
03
Reducing future RMD pain
Required Minimum Distributions force withdrawals whether you need the money or not.
Those withdrawals can push you into higher brackets, make Social Security taxable, and trigger Medicare surcharges. Converting ahead of time shrinks that future problem.
How we work through it
A staged process, not a sales pitch
We do not jump straight to “here is what you should convert.” We walk through the work in stages so the recommendation is grounded in your actual numbers.
01
Map the exposure
We start by mapping where your tax exposure sits today and where it is heading based on your income, assets, and retirement timeline.
02
Build the multi-year plan
We model conversions year by year and bring your investment advisor and attorney into the loop so everyone is working from the same plan.
03
Execute and monitor
We help with the paperwork and check in along the way to make sure the plan actually plays out the way it was designed.
An honest look
Why random one-off conversions usually miss
Most Roth conversions happen in a vacuum. Someone converts $50,000 because “rates might go up,” with no real model behind it. There is no thought about what bracket they will be in at 70, and no plan for how the conversion fits with their other income. It is a guess dressed up as strategy.
Without the full picture, you are essentially throwing darts. A real plan has to account for future brackets, retirement income, and RMD pressure together. The tax code rewards precision, not intuition.
Future tax brackets
Retirement income mix
RMD pressure
Social Security and Medicare impact
What you walk away with
More than a tax break this year
The goal is not simply to save taxes in a single filing season. It is to give you more control over how your wealth is taxed, distributed, and passed on.
- A larger pool of money that comes out tax-free down the road
- Less pressure from forced withdrawals later in retirement
- A smarter read on when to convert and how much
- More flexibility in how you draw income when you retire
The fine print
What is worth knowing up front
A few disclosures matter before any conversation about Roth conversion planning.
- The calculator on our site is an illustration tool, not a promise of what you will actually get.
- We partner with Trawick Financial on the insurance side, and MSVV Wealth Partners sells life insurance products.
- Nothing on this page counts as official investment advice. It is educational.
- If you proceed, you will receive actual prospectus documents before anything becomes official.
- The threshold for this service is $500,000 in movable pre-tax qualified assets. It is not designed for smaller legacy accounts.
Start here
Book a Strategic Diagnostic
A first conversation to see whether conversion planning actually fits your situation. No commitment, no pressure, and no recommendation until we have looked at the numbers.