Get the book
Roth Conversion Secrets
Know the five mistakes before you convert your IRA.
For people with $1M+ in IRA and 401(k) savings. Craig Wear, CFP®, explains how tax brackets, Medicare, Social Security, heirs, and charitable giving fit into a Roth conversion decision.
Full-color PDF + 2 bonus chapters · One-time purchase
Your tax bracket is only part of the decision.
How much should you convert? Over how many years? And what happens to the rest of your retirement plan? Roth Conversion Secrets helps you examine those questions before you commit to a strategy.
- 1. Stopping at your current tax bracket. Understand why the book compares conversion costs with future required distributions and lifetime outcomes.
- 2. Letting Medicare thresholds decide for you. See how premium surcharges fit into the wider cost of a conversion strategy.
- 3. Focusing only on this year’s Social Security taxes. Explore the difference between a short-term tax cost and its effect over retirement.
- 4. Leaving your heirs out of the calculation. Consider the tax burden attached to the retirement accounts you leave behind.
- 5. Overlooking charitable giving. Connect your conversion decisions with the gifts you intend to make during life or through your estate.
The book also discusses circumstances in which converting may not make sense. The aim is to understand the tradeoffs in your own situation.
“Love the book and the information Craig shares about saving taxes by converting the traditional IRA to a Roth. All of the pros and cons are clearly explained.”
Seven questions to take into your next planning conversation.
Chapter 6 turns the discussion into seven questions about income needs, required distributions, Medicare, beneficiaries, and retirement security. One of them asks:
“What are your priorities for your heirs and charity beneficiaries, and how do these impact your tax strategy?”
You also get worked examples and a discussion of how to compare conversion strategies. Use them to prepare for a more informed conversation with your financial and tax professionals.
Craig Wear, CFP®
Author and founder of Q3 Advisors
Before you order
Who is this book written for?
Primarily people with $1 million or more in IRA and 401(k) savings who want to understand Roth conversions. It introduces the key concepts before examining the planning decisions.
What do I receive for $3.95?
The complete PDF plus two bonus chapters, delivered by email after payment. The audiobook and printed copy are optional, separately priced additions.
Will it tell me exactly how much to convert?
It is an educational book with examples and planning questions. A personalized conversion amount requires analysis of your circumstances and current tax rules.
Is there a subscription?
No. The PDF and any extras you choose are one-time purchases. The digital book has a 14-day money-back guarantee.
Get your copy
Get Roth Conversion Secrets
Start with the digital book. Add an audiobook or a printed copy if that is how you prefer to learn.
- The complete, full-color PDF
- Two bonus chapters + digital access by email
- One payment. No recurring charges.
If you do not find the book valuable, contact us within 14 days for a refund of your digital book purchase.
Roth Conversion Secrets
Full-color PDF