Convert traditional to Roth when values crashed — pay tax on the low.
When markets drop 20–40%, your traditional IRA/401(k) balances are depressed. Convert to Roth at the low — you pay ordinary tax on the depressed value, and 100% of the recovery is tax-free forever. A $500k IRA at $300k converted, recovering to $600k, saves $60–100k in future tax vs converting at the peak.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.