Precision Roth Conversion

I am a tax planning consultant who has educated over a thousand clients on how they could each save $300k - $1 million+ in lifetime taxes, and I teach and write for the California Society of CPAs (pages 19-21: https://viewer.joomag.com/california-cpa-june-2023/0016109001684854629?short&). I am also a scheduled speaker for the Q4 '23 Financial Planning Association of Orange County educational meeting (https://www.financialplanningassociation.org/fpaoc-chapter-event-calendar) and I do not manage assets or sell insurance/annuities. I held the CPA 10+ years through Feb ‘22: license #113211 https://search.dca.ca.gov/results, and I have been a CFP® for 10 years: certification #186006 https://www.cfp.net/verify-a-cfp-professional. Unfortunately, almost every new client I have worked with needed adjustments to their Roth approach because they were leaving significant $ on the table for the IRS. I help advisors, CPAs, attorneys, and families with what I feel is a major problem in the industry: Roth conversion recommendations that do not maximize the family's goals, which usually involves maximizing estimated future after-tax net worth. (ditto for the annual 401k/IRA decision - Traditional or Roth). I provide scenario analysis and comparisons to optimize and right-size: • Roth Conversions, • Backdoor Roth (and Mega Backdoor), • Roth for minors, • Traditional 401k/IRA vs. Roth contributions choice, & • Retirement Distributions Planning Remember, conversions are not reversible and mistakes will cause significant lifetime tax overpayments for your family. Contact us when you are unsure if you or your client should: • Start Roth contributions, a Backdoor Roth (which avoids the income limitations), or Mega Roth. • Switch contributions from a Traditional 401k/IRA to a Roth 401k/IRA or vice versa. • Do a Roth Conversion, and if so, during what years, and how much in each specific year. • Start a Roth for children