Grace M. Lopez

Roth Conversion and Retirement Tax Strategy

Protecting your wealth. Controlling your retirement. Passing on your legacy tax-free. That is what Grace M. Lopez has spent over a decade making possible for retirees, business owners, and professionals who wanted more than a one-size-fits-all plan.

Most of that work now centers on Roth conversions. The majority of the people Grace sits down with are holding a traditional IRA or an old 401(k), carrying a tax bill they have never been shown and a deadline they did not know was coming. She maps the conversion out year by year, sized to the bracket they are actually in, so the money moves into tax-free status on their schedule instead of the IRS's.

She knows firsthand what's at stake. After watching her parents lose half their retirement in 2008, Grace made it her mission to make sure that never happens to the families she serves. That personal experience drives everything: the precision, the care, and the refusal to settle for guesswork. It is also why she would rather show you the numbers and let you decide than tell you what to do.

Grace has architected 200+ advanced retirement and estate strategies for clients with $1M+ in net worth, reducing tax liabilities by up to 40% annually and designing multi-generational wealth transfer plans for family legacies worth $10M+.

Outside of work, Grace is grounded in her faith community at Water of Life Community Church, a devoted mother of three, and a partner to Norvin. The 5 Fs (Faith, Family, Finances, Fitness, and Fun) guide how she lives and how she works.