Roth Conversion Planning

Someone told you to do a Roth conversion. Did they tell you how much?

There's a right amount for your situation. I find it, and tell you the number before you move a dollar. Your first call is free, and there's nothing to prepare.

  • ✓A real person calls you back — not a sales team.
  • ✓I tell you the exact amount to convert, in plain English.
  • ✓Santa Clarita firm, working with families nationwide.

Get your free conversion review

Tell me where to reach you and I'll call you back personally — usually within one business day.

Free, no obligation · Your details stay private
✓

Thank you — I've got it.

I'll personally reach out within one business day to set up your free call. If it's easier, you can always call me at (661) 554-4495.
$0
Cost of your first call — no obligation, ever
1 number
The exact amount to convert, in writing
$0 moved
I never touch your money — you stay in control

The conversion is the easy part. The amount is the decision.

Converting takes a few clicks. The amount is what actually moves the money — and the right one sits between two costly mistakes.

Convert too little
You give up the benefit you were after.
The right amount
Narrower than most people expect — and worth finding.
Convert too much
A higher bracket or a Medicare surcharge.

That amount depends on your whole year — your income, your other accounts, which bracket you're in and how close you are to the next one. Working it out is the job, and I do it before you convert, while the number can still change.

What you get

You leave knowing exactly what to do.

After the call I write it up in plain English — four answers, on a single page:

01

How much to convert

The amount for this year, and which accounts to pull it from.

02

The lines to stay under

So you don't trip a tax bracket or a Medicare surcharge.

03

All at once, or spread out

Whether to do it this year or over a few, and why.

04

Whether it's even worth it

Sometimes a fuller plan isn't worth your money — and I'll say so.

How it works

Three steps — and I do the hard one.

1

We talk

A free call about your accounts, your income, and your timeline. Don't prepare anything — I'll ask for what I need.

2

I run the numbers

I model your conversion against your real accounts and income, then write up what to do and the lines to watch.

3

You make the move

You do it through your own accounts, when you're ready. I never touch your money.

A note from your CPA

"I've spent my career helping families in and around Santa Clarita keep more of what they've worked for."

A Roth conversion is one of the few moves where a little planning up front saves real money for years. I'll give you the number straight, tell you honestly if it isn't worth doing, and never sell you something you don't need. That's the whole job.

Plain Sailing

Santa Clarita, California

How the fee works

A flat fee, quoted up front.

I quote a flat fee after the first call — no hourly meter running, and the first call is free. What it comes to depends on how involved your situation is.

What moves your quote four things
01 How many accounts are in play, and whether old pre-tax IRAs need untangling first.
02 Whether it's a one-time conversion or a multi-year plan we map out together.
03 How close you are to the lines that add math — the Medicare (IRMAA) and ACA thresholds.
04 Whether you want me to file the return too, or just plan the conversion.
✓ After the free call, I quote you a flat number — before any work starts. No surprises.

Questions I get before we start

Do you work with clients outside California?
Yes. I work over video with clients anywhere in the country. The federal rules are the same everywhere; where your state's tax matters to the call, I account for it.
Do I need to prepare anything for the first call?
No. I'll ask for what I need while we talk. If you have your balances and a rough idea of this year's income handy, it goes faster — but don't go digging first.
Do you handle the mechanics, or just give general advice?
The mechanics. I give you the actual number to convert and the steps to get there — not a summary of how Roth conversions work.
Do you execute the conversion for me?
No. I tell you exactly what to do and you do it through your own custodian. I don't move money or sell investments.
Can you also prepare my tax return?
Yes. I do tax prep too, so the office that planned the conversion can also file it — the surest way it's reported right. They're separate engagements, though; you're not signing up for both.
When in the year should we do this?
Usually I plan mid-year and we finalize late in the year, once your income is clear. Converting in January is how people cross a line they had room under.

Get the number before you convert.

A move you can't undo is worth a free call. Leave your details and I'll reach out personally — or pick up the phone, I'd be glad to hear from you.

Plain Sailing · Santa Clarita, CA · (661) 554-4495
Tax planning & preparation · Remote, nationwide