YEAR-END DEADLINE
You saved it. You should decide when it's taxed. Take the 60-second Year-End Roth Check and see how much of your savings is really yours, and whether moving some of it to a Roth before December 31 deserves a look. Free guide included.
Denver-area people 59–79 with $250k+ in an IRA or 401(k) who want to know: Should I convert some of my IRA to a Roth this year? How much would it cost? How much of my IRA actually belongs to me?
Free Roth Snapshot and guide. Optional Year-End Roth Review on Zoom.
YEAR-END ROTH CHECK
Three Questions to Answer
Before December 31
Your retirement statement shows one number, but your real picture includes taxes and market risk. Roth conversions can have tax advantages, but they create taxable income now and aren’t right for everyone.
- How much of your traditional IRA may eventually go toward income taxes?
- Would converting some of your IRA to a Roth before December 31 deserve consideration?
- Would protecting part of your retirement savings from a future market downturn make sense?
Tax-Deferred Growth
Traditional 401(k) / IRA
Traditional accounts may accumulate tax liability on contributions and earnings. Required distributions and changes in legislation can increase your tax exposure over time.
- Taxes are due upon conversion
- Required minimum distributions begin at age 73
- Gains can be subject to future taxation
Tax Advantages With Consideration
Denver Wealth Advisors Roth Account
Roth conversions may provide tax advantages, though they involve paying current taxes and depend on your individual situation. There are no mandatory distributions during your lifetime, and transfers to heirs may be tax-efficient.
- Tax advantages may be available with Roth conversions
- No required minimum distributions
- Potential for tax-efficient generational transfers
YEAR-END ROTH CHECK
Three Questions Worth Answering
Before December 31
In about a minute, you can get clarity on the questions that matter most at year-end—without assuming a Roth conversion is right for everyone.
What Could Taxes Take?
Understand why the balance on your IRA statement may not be the amount you ultimately keep.
Is a Roth Conversion Worth Considering?
Explore whether converting part of your IRA this year deserves a closer look.
Should Part of Your IRA Be Protected?
Consider whether reducing exposure to future market declines fits your retirement goals.
THE CONSULTATION BLUEPRINT
Your Clear Path to
Roth Conversion Planning
Reviewing your accumulated wealth for potential Roth conversion opportunities can be straightforward. Denver Wealth Advisors helps guide you through the process, handling communications with custodians and addressing regulatory considerations to keep your transition smooth and clear.
We aim to make managing your Roth conversion opportunities straightforward and clear. Our team supports coordination with custodians and compliance matters to make the process as smooth as possible for you.
01
Easy Scheduling
Choose a convenient time for a complimentary introductory Roth strategy consultation. No lengthy forms or complex documents are required beforehand—just a straightforward conversation about your objectives and timeline.
02
Review Process
We review your portfolio in the context of current tax laws to help identify potential year-end Roth conversion opportunities tailored to your goals.
03
Roth Conversion Overview
We coordinate with your existing institutions to help facilitate rollovers and necessary filings smoothly. Please note that Roth conversions may offer tax advantages but involve paying current taxes and depend on your individual circumstances.
YEAR-END ROTH CHECK
Start Your Free Year-End Roth Check
Complete this short form to start your Year-End Roth Check. We’ll follow up with next steps and general information to help you consider year-end timing, potential tax exposure, and retirement risk tradeoffs. This does not calculate your personal taxes or provide a complete Roth analysis.
- First name (required)
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- Where do you live? (required)
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Denver Wealth Advisors
Aaron C. Hersch, CFP®
Roth conversions are taxable in the year of conversion and cannot be undone. Conversion income can raise Medicare premiums and the taxable share of Social Security. Examples are hypothetical. Not tax advice; consult your tax professional.
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