Free Download · 5-Step Framework
The Roth Conversion Checklist most CPAs skip
A printable 5-step framework for figuring out when, how much, and how often to convert. No fluff. Built by RLF, a 501(c)(3) educational nonprofit. No products being sold.
What you'll get
A 5-page checklist covering the actual decision math behind Roth conversions. It's the part your CPA usually doesn't run, because they're paid to file your return, not to plan 30 years of tax.
- Step 1: Map your current vs future tax bracketThe simple calc that tells you if Roth conversions are worth running at all.
- Step 2: Check your IRMAA bracket (and the 2-year lookback)The Medicare premium cliff that costs about $1,150 to $6,900 per person a year (2026) if you cross it by $1.
- Step 3: Calculate your "fill the bracket" conversion amountHow much to convert this year without spilling into the next bracket.
- Step 4: Order conversions across multiple yearsThe pre-RMD window is the goldmine. Most plans miss it.
- Step 5: Confirm, execute, repeat annuallyThe compounding benefit comes from doing this every year, not once.
Plus a "When this DOESN'T work" page: the four situations where Roth conversions are the wrong call, so you don't spend years on a strategy that won't help you.
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Who this is for
✓ Right fit if you have…
A traditional IRA or 401(k) balance over $250K · 5+ years before RMDs start (age 73, or 75 if born 1960 or later) · Outside cash to pay the conversion tax · A desire to leave more to your kids (and less to the IRS)
✗ NOT a fit if…
You're already in retirement and at or above the top IRMAA tier · You need the money in the next 5 years (Roth 5-year rule) · Your current bracket is higher than your projected retirement bracket · You don't have outside cash to pay conversion tax
