Welcome
Business Owners
Build tax-free retirement through your business.
Families
Preserve wealth, plan legacy, get generational security.
Retirees & Rollovers
Roth conversions and rollovers that turn savings into tax-free income.
Grace M. Lopez, Financial Strategist
Most of Grace's work is helping retirees and pre-retirees convert traditional IRAs and 401(k)s into tax-free Roth income. The rest is making sure what you've built stays protected, produces income you cannot outlive, and reaches your family instead of the IRS.
Meet Your Strategist
Grace Lopez
Principal Financial Strategist & Co-Founder, Elevate Financial

Grace Lopez has been customizing financial strategies for over 10 years, empowering families across the U.S. to achieve financial security and growth with tax advantages. Her passion was ignited when her parents lost half their retirement savings in 2008, fueling her mission to ensure others plan wisely. Today the majority of her work centers on Roth conversions, helping retirees and pre-retirees move money out of traditional accounts and into tax-free status before required distributions take the decision out of their hands.

She simplifies complex financial matters, builds authentic client relationships, and aligns wealth strategy with life. Her process is deliberately simple: discuss, plan, implement. One honest conversation about where you actually stand, a strategy built around your real numbers, and a partner who stays with it as your life changes. Beyond work, Grace and husband Norvin love to travel and serve their community through Water of Life Community Church. Proud mom of 3.

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Read Grace's Full Story
Problems Clients Face

The six financial challenges Grace solves.

Every client Grace works with faces at least one of these. Most face several. None have to stay unsolved.

Paying the IRS Instead of Yourself
Business owners losing wealth to taxes instead of routing it into a structured, tax-free retirement.
Wealth That Stops at This Generation
Without the right structure, what you built gets spent down or taxed away instead of transferring intact. Nothing compounds past you.
Retirement Tied to Market Volatility
Savings still exposed with no guaranteed floor, where one bad year can erase decades of growth right when you need to start drawing income.
A Tax Bill You Haven't Paid Yet
Every dollar in a traditional IRA or 401(k) is money the IRS has not taxed yet. Without a conversion plan, they decide when that bill comes due and at what rate.
Required Distributions Start the Clock
At a certain age the IRS forces withdrawals whether you need the money or not, on their schedule and at whatever rate applies then. Every year you wait is one less year to convert on your own terms.
Heirs Inherit the Tax Bill Too
Traditional retirement accounts pass to your children with income tax still owed on every withdrawal. Roth dollars pass to them clean.

The last three share the same root: money sitting in tax-deferred accounts with no conversion plan. That is the problem Grace solves more than any other.

Where Most Retirement Plans Fall Short

Built to Accumulate. Never Built to Distribute.

The Conventional Approach
Grace's Approach
❌Built to grow a number, with no plan for turning that number into income you cannot outlive.
✅Designs the income stream first, then builds the structure that reliably produces it.
❌Assumes you will spend less as you age, then leaves you exposed when healthcare and taxes say otherwise.
✅Assumes costs rise, and builds a guaranteed floor that holds regardless of the market.
❌Defers taxes indefinitely and hopes future rates are kind, without ever running the numbers on what that bill becomes.
✅Converts to Roth in measured amounts while you still control the bracket, so the tax gets settled on your terms and never again.
❌Treats your accounts as separate pieces instead of one coordinated structure.
✅Coordinates every account, policy, and entity so they work as a single plan.
❌Gets built once and rarely revisited, even as tax law and your life keep changing.
✅Gets reviewed and adjusted as tax law, markets, and your family change.
What We Do Together

A custom strategy built around your life.

Roth conversion planning sits at the center of the practice. Every other service exists to protect, fund, and extend what that strategy builds.

Roth Conversion Strategy
A year by year conversion plan sized to your tax bracket, so you move money into tax-free status without triggering a bill you did not plan for.
High-Efficiency Rollovers & Retirement Conversions
Move old 401(k)s and IRAs correctly the first time, then convert on a schedule that keeps the tax bill on your terms.
Tax-Advantaged Planning
Strategies designed to keep more of your hard-earned money instead of giving more to the IRS.
Asset Protection & Risk Management
Minimize exposure with guaranteed vehicles that preserve principal and eliminate unnecessary risk.
Infinite Banking
Create a personal banking system: control your finances, cut out third parties, and become your own source of capital.
Premium Financing
Build a tax-free future without using your own funds for premiums, freeing up capital for investments.
Legacy & Wealth Transfer Planning
Ensure your wealth moves to your heirs, not the IRS, with structured, tax-efficient strategies.
Custom Strategy Design & Ongoing Review
No cookie-cutter plans. Your wealth deserves tailored design and real strategy that evolves with your life.
Ready to see what a real strategy looks like for you?
Book a Complimentary Strategy Call
Carrier Partners
Common Questions

Straight answers before we talk

Grace specializes in high net-worth individuals, business owners, families, and those approaching or in retirement who want to reduce tax exposure, protect assets, and build guaranteed income without risking it all in the market.
It is the process of moving money from a traditional IRA or 401(k) into a Roth account. You pay income tax on the amount you convert in the year you convert it, and in exchange that money grows tax-free and is withdrawn tax-free later. There is no income limit on who can convert. The strategy usually works best in the years after you stop working but before required minimum distributions begin, when your taxable income is at its lowest. Done in the right amounts across the right years, it can meaningfully reduce what you pay over the course of retirement.
Only if it is done all at once, which is why it rarely should be. Most conversions are spread across several years in amounts sized to fill your current tax bracket and go no further. The goal is to pay at a rate you choose rather than the rate you get handed later, while keeping an eye on things like Medicare premium thresholds along the way. Grace will show you the projected tax in each year before anything moves.
Grace builds completely custom strategies. No cookie-cutter plans. Every client relationship includes ongoing review and strategy evolution. She brings over 10 years of experience and access to a wide range of carrier partners.
Infinite Banking uses a specially structured permanent life insurance policy to create a personal banking system. You build cash value, borrow against it for investments or expenses, and recapture interest you'd otherwise pay to banks.
Yes, and for many retirees it's one of the highest-leverage moves available. Grace can help convert an existing 401(k) or IRA into a tax-optimized, long-term income strategy without losing control or liquidity.
Click "Book a Strategy Call" anywhere on this page. Grace will take time to understand your full financial picture and show you exactly what's possible before any commitment is made.
Take the First Step

The Plan You Have Right Now Is Already Deciding What You Keep.

Every year that money sits in a traditional account, the IRS's share of it is still unsettled, and required distributions are one year closer to deciding the timing for you. Most people never run the numbers until the window to convert cheaply has closed. One conversation is usually enough to find out exactly where you stand.

1
Discuss
We start with your situation, not a product. What you've built, what's keeping you up at night, and what you want your money to do after you stop working. No forms, no homework, no pitch.
2
Plan
Grace maps where taxes are eroding your growth, where your assets sit exposed, and how income and legacy can be restructured to hold. You see the actual math, not a brochure.
3
Implement
We put the strategy in place together and stay with it. Tax law shifts, markets move, families grow. Your plan gets adjusted so it still does what you built it to do in ten years.
Book a Complimentary Strategy Call
Complimentary. About 30 minutes. Nothing to prepare, and nothing to sign.