Urgent news from the trustee
who managed a $42 billion retirement fund
Should YOU Convert Your
Traditional IRA to a Roth IRA?
It could save you $1 million or cost you $1 million.
The MUST know answers are below.
Fellow Retirement Saver,
Please, whatever you do – DO NOT and I repeat DO NOT – attempt to convert your traditional IRA into a Roth IRA until you hear what I have to say…
Especially if you’re using one of those “free” online Roth conversion calculators.
The right calculator could hand you a rich, tax-free retirement.
But the wrong one could cost you up to seven figures in excess taxes… and even land you in hot water with the IRS.
That’s why the New York Times warns us about Roth conversion calculators…
WealthManagement.com agrees, and also reports…
The industry standard CPA Journal questions online calculators and worries about…
Forbes also cautions people about online retirement calculators, saying, “even the smallest error on a rate of return or interest rate can make a HUGE difference in the calculations.”
To make matters worse… When 45 online calculators were fed the same data, 25 showed different results.
I’m Bob Carlson, Tax Attorney, and former $42 billion Retirement Fund Trustee.
And I’m here to show you where you can get a high-end, professional $1,000+ Roth calculator… for half of what you’d pay for an oil change.
With a click of your mouse, it’ll pop open for you, nice and easy. And you will quickly:
- Discover the perfect amount of money to convert from your traditional IRA into a tax-free Roth IRA… and smile as you see how your retirement account can grow into millions WITHOUT HAVING TO PAY INCOME TAXES ON IT…
- Turbocharge your 401(k) by converting some or all of it into a Roth IRA…
- Compare the impact of future tax rates versus today’s… CRUCIAL with the likelihood of the Trump tax cuts expiring soon…
- Create estimates for almost any range of situations… the ultimate “what if I do this” calculator helps keep you safe from costly surprises…
- Optimize different future spending and/or distribution levels SO YOU HAVE ENOUGH MONEY TO LAST YOUR ENTIRE LIFE.
Just click the mouse and you’ll see everything unfold before your eyes.
But first, let me tell you why I do not trust the online conversion calculators. It starts with…
The Hidden Dangers in the Fine Print
It’s amazing how tiny print hides big words and confusing language.
For example, Fidelity has a free calculator. But their fine print warns it’s “an educational tool and should not be the primary basis of your investment, financial, or tax planning decisions.”
Translation: Don’t use it for its intended use. Because it’s useless.
It’s the same thing with Vanguard’s fine print:
“This information … ‘should not be considered’ tax and/or legal advice.”
Translation: a Roth conversion may save you in taxes… but don’t “consider” using OUR tax calculator.
It’s the same thing with Ameriprise and their Roth conversion calculator:
“The content on this page may not reflect the latest information on retirement accounts…”
Translation: I’m supposed to trust a calculator that needs new updates with each new tax law change… but I have no idea if or when it was last updated?
Even worse…
Many Free Calculators Are Too Simplistic to Be of Use
They are too primitive to get the job done.
It’s like trying to shovel sand with a fork.
I say this because their primitive one-size-fits-all approach can’t possibly help everyone’s unique situation.
That’s dangerous, because if you make a mistake here, you could potentially be flagged by the IRS… have your conversion “undone” … be forced to pay back your taxes… and be subject to fines and penalties.
Yet if you do NOT convert your IRA when you should… you may miss a tax-free high-wealth retirement that could land you up to an additional 7-figures or more throughout the life of your retirement.
And you can’t beat a zero tax rate.
I could go on for hours about why many online Roth conversion calculators are too chintzy to trust your money to.
But there are good, high-end IRA conversion calculators that tax professionals use for their clients.
Remember the old saying “you get what you pay for.”
However, I practically GIVE away the Roth calculator I use for my private clients… even though it’s one of the most powerful available today.
Even so, it’s easy to use…
Check out what the pros say:
“I have clients who’ve paid north of $1,000 for IRA conversion calculators and found them very confusing and difficult.
What I’ve found is that Bob Carlson’s IRA conversion calculator is simple to use, and quite powerful.”
-Todd Phillips, President, Estate Planning Specialists
By using this simple tool, you’ll never pay the government a dime more than necessary.
It’s worth every penny of that $1,000 value.
But because I have a multi-year waiting list for new clients…
And time is running out before we face the next round of retirement tax increases…
Plus, time is tight with the Trump-era tax rates expiring in only a matter of time.
So I feel obligated to almost give away my Roth IRA conversion calculator spreadsheet.
That’s why I’ve slashed the price to cover my expenses to just $39.95.
That’s a small price to keep the greedy government away from your hard-earned life’s savings… and to help secure your financial future forever.
And YOU CAN’T BEAT A ZERO TAX RATE… once your money is SAFELY tucked into your Roth.
You’ve got nothing to lose.
So go ahead: