Free PDF Guide

The Roth Conversions Guide

When conversions win, how to size each year’s conversion, and the trade-offs that deserve real numbers — from a fee-only fiduciary firm, in plain English.

What’s inside

  • When a conversion actually wins

    The lifetime-rate question underneath every conversion decision, and the situations where the answer is a clear no.

  • The bracket-filling math, with 2026 numbers

    How to find the amount each tax year absorbs cheaply — brackets, the standard deduction, and the thresholds that matter.

  • The five-year clocks, untangled

    The contribution clock, the per-conversion clock, and what each one actually locks — plus the conversion ladder for early retirees.

  • The ripple effects most people miss

    IRMAA surcharges, ACA subsidy cliffs, Social Security taxation, and the widow's penalty — where conversions collide with everything else.

  • Conversions as estate planning

    What the 10-year rule for inherited accounts means for whose tax rate really applies to your pre-tax dollars.

  • The execution details

    Paying the tax, timing within the year, withholding traps, and why conversions are permanent now that recharacterization is gone.

Jim Crider

Written by Jim Crider, CFP®, founder of Intentional Living FP — a fee-only fiduciary wealth management firm in New Braunfels, Texas.

Get the guide

Tell us where to send it and the PDF is yours — free.

We’ll send the guide plus occasional planning insights. No spam, unsubscribe anytime.

This guide is educational only and is not specific financial, tax, or legal advice. Tax figures reflect 2026 rules and are subject to change. Fee-only fiduciary · No commissions · Always on your side of the table.