Roth Conversion Optimization

Roth Conversion Optimization helps you determine the most efficient way to move money from a traditional IRA or 401(k) into a Roth account. This process converts pre-tax savings into tax-free growth, but it also creates taxable income in the years of conversions.

The optimizer analyzes different conversion amounts and timing to find the strategy that best fits your goals—whether that’s maximizing long-term after-tax wealth or minimizing lifetime taxes. It automatically accounts for federal and state income tax brackets, Social Security taxation, capital gains rates, and potential IRMAA surcharges on Medicare premiums.
 

Set constraints such as the ages when conversions start and end and choose to stay under a certain tax bracket. The tool then runs simulations across future years to compare outcomes and highlight the most tax-efficient approach. By testing thousands of possible conversion paths, it helps ensure you don’t convert too much in high-tax years or miss opportunities in lower-tax years. The result is a clear, data-driven recommendation tailored to your financial situation.