You Pay...
You Save...
See exactly how much you could save before making any decisions.
Use the calculator to test different rollover amounts and valuations.
You’ll see how much you save in taxes when you complete a Roth conversion at a discounted value.
You Pay...
You Save...
See exactly how much you could save before making any decisions.
Use the calculator to test different rollover amounts and valuations.
You’ll see how much you save in taxes when you complete a Roth conversion at a discounted value.
FAQs
How does this benefit me as an investor?
The Discounted Rollover strategy helps you convert pre-tax retirement funds (like Traditional IRAs or 401(k)s) into Roth accounts while legally reducing the taxes owed. That means more of your money grows tax-free, and you keep more of your wealth in the long run.
What types of investment qualify for a discounted rollover?
To qualify, the investment must have a predictable short-term drop in value, followed by a strong likelihood of recovery. These are typically illiquid, privately held assets structured to allow for a professional, supportable valuation.
Will this affect my liquidity or access to funds?
This strategy works best with funds you don’t need immediate access to. While the investments used are intended to recover in value and generate returns, they may have holding periods or lockups.
Is there a minimum account size or investment requirement?
Yes. To justify the cost of implementation and make the tax savings meaningful, this strategy typically makes sense for investors with at least $100K in pre-tax retirement assets available to convert.
Can I use this strategy more than once?
Yes. Many of our clients use this strategy in multiple years or with different investments over time. We can help you structure a long-term conversion plan to maximize tax efficiency over several phases.