Find out which Medicare IRMAA bracket you're in — and whether a Roth conversion could save you thousands per year in hidden surcharges.
Key strategies that protect your retirement from hidden tax claims and market losses.
At a combined 35% tax rate, a $2.6M IRA carries a $982,000 embedded IRS claim — money that isn't yours. A Roth conversion systematically removes that claim, dollar by dollar, so every cent stays in your family.
Learn more →Floor-protected, point-to-point indexed crediting with 80% participation in S&P 500 gains — and a 0% floor so you never lose money in down years (e.g., 2022's −19.4% becomes 0%). No annual fees. Credited as a single lump sum at term end.
Learn more →Roth conversion isn't all-or-nothing. Phase 1 starts the prescription — converting ~$50K/year over 7 years to eliminate a portion of the IRS claim. Phase 2 completes it, removing the remaining claim entirely. Measured, tax-efficient, and deliberate.
Learn more →Converting to Roth reduces your future MAGI — which can drop you out of IRMAA surcharge brackets and save thousands per year on Medicare premiums. After full conversion, RMDs = $0 — no more forced distributions pushing you into higher brackets.
Learn more →When one spouse passes, the survivor drops to Single filing status — higher tax brackets, more Social Security taxed, and an IRMAA bracket jump. Roth assets are tax-free and don't inflate income, providing critical protection during a devastating life transition.
Learn more →Launch the RothRx Blueprint Calculator to see exactly how a Roth conversion strategy impacts your lifetime wealth, taxes, and IRMAA surcharges.
Launch the RothRx Blueprint Calculator →