Your Retirement Savings Should Work as Hard as You Did.
You worked for decades to build what you have, and the last thing you should be doing now is leaving it exposed to market swings, unnecessary tax bills, or a rollover strategy that nobody ever really explained to you.
Grace helps retirees and pre-retirees convert existing 401(k)s, IRAs, and retirement accounts into long-term, tax-optimized income streams, without losing control, liquidity, or peace of mind. Whether you've already retired or you're getting close, there's almost always a smarter way to structure what you have.
Grace has helped people just like you stop guessing and start knowing. The only question is whether your current plan is actually doing that.
Roth Conversions
Most of the people Grace works with come to her sitting on a traditional IRA or an old 401(k), holding money that has never been taxed and a growing bill that eventually comes due. A Roth conversion changes that. You move the money over, settle the tax on your terms, and everything after that is tax-free, with no required withdrawals and nothing owed by your heirs.
The part that matters is how much you convert and in which years. Convert too aggressively and you push yourself into a higher bracket and raise your Medicare premiums along with it. Convert too slowly and required distributions arrive before you have finished. Grace maps the conversion across multiple years, sized to fill your bracket and no further, so the strategy works with your tax situation instead of against it.
- 1 Discuss. We look at what you have in traditional accounts, what your income looks like now, and when required distributions and Social Security are set to begin. That window between retiring and those starting is usually where the opportunity lives.
- 2 Plan. Grace maps out how much to convert each year, sized to your bracket, with an eye on Medicare premium thresholds and the tax bill in the years you convert. You see the numbers before anything moves.
- 3 Implement. We handle the conversion and rollover mechanics correctly, since errors here can trigger taxes that never had to happen. Then we revisit the plan each year as tax law and your income change.
