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 — the stuff your CPA doesn't run because they're paid to file your return, not optimize 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 $1,800–$8,000 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 waste years on a strategy that won't help you.
501(c)(3) educational nonprofit
No products being sold
3,000+ retirees educated since 2024
Workshops in OC + LA
Who this is for
✓ Right fit if you have…
A traditional IRA or 401(k) balance over $250K · 5+ years before age 73 (when RMDs start) · 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
