Roth IRA Conversion Series

July 12, 2015

In this series, Bob Keebler covers what you need to know about Roth IRA Conversions from the basics to the sophisticated planning strategies.


The Basics

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Topics covered:

  • Convertible vs. non-convertible accounts
  • Reasons to convert to a Roth IRA
  • Types of conversions
  • Taxation of Roth IRA Distributions
  • Seasoning and Penalty Box Rules
  • Mathematics of Roth IRA Conversions
  • Overview of recharacterizations

Advanced Considerations: Estate, Trust, Insurance & Post Mortem Considerations

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Topics covered:

  • IRA-ILIT Strategy: Inherited IRA “Tax Spiral”
  • IRA Relocation
  • Stretch IRA Planning
  • IRAs payable to trusts or estates
  • Charitable planning

Recharacterizations In-Depth

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Topics covered:

  • General provisions
  • Anti-cherry picking rule
  • Roth Segregation conversion strategy
  • Analyzing recharacterizations