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Roth Conversion Guide

When converting to a Roth makes sense, and when it does not.
A Roth conversion can lower your lifetime taxes, or it can cost you money if the timing is wrong. This free guide walks through how conversions work, who benefits most, and the questions to ask before you convert a dollar. Enter your details to get your free copy.

What you will learn

  • What a Roth conversion actually does to your taxes, now and later.
  • The lower-income years after retirement when conversions often work best.
  • How conversions interact with Medicare premiums and Social Security taxation.
  • The mistakes that turn a smart conversion into an expensive one.
  • How to think about converting over several years rather than all at once.

Why this matters now

The window for efficient Roth conversions is often narrow: after you retire but before required distributions and Social Security fill up your tax brackets. Miss it, and the opportunity may not come back. This guide helps you understand whether conversions belong in your plan before that window closes.

Who this is for

This guide is written for individuals and couples ages 55 to 70 who want to keep more of what they have built. It is produced by Kraus Capital, an independent, fee-based fiduciary firm led by Brian Kraus, a CERTIFIED FINANCIAL PLANNER™ professional with more than 25 years of experience.

Related reading

Want to go deeper before you book? Start here:

Retirement Tax Planning

Retirement Income Planning

The Legacy Blueprint

After you download

Once you have the guide, the natural next step is to see how it applies to your own situation. A free assessment takes about 15 minutes, costs nothing, and carries no obligation.

Get Your Free Assessment
Questions? Call us at 210.224.1600.

Disclosures

Investment advisory services are offered through Kraus Capital, a registered investment adviser. Advisory services are only offered to clients or prospective clients where Kraus Capital and its representatives are properly licensed or exempt from licensure.

Brian Kraus is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® marks are owned by the Certified Financial Planner Board of Standards, Inc. and are used in accordance with CFP Board guidelines.

Charles Schwab serves as the independent custodian for client assets. Kraus Capital is not affiliated with, and does not receive compensation from, Charles Schwab for custodial services. No strategy assures success or protects against loss. Past performance is not a guarantee of future results. 

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