Roth IRA Conversion as Liquidity Strategy
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Roth IRA Conversion as Liquidity Strategy

Inspired by a conversation on:

The Retirement and IRA Show

The Retirement and IRA Show

Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535

Host: Jim Saulnier, CFP® & Chris Stein, CFP®

Timestamp: 01:12:13 - 01:12:58

Listen to Episode • View Podcast • All Ideas from The Retirement and IRA Show

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Direct Quote

"Do you think it would make sense for me to determine what income I am comfortable with each year and then review my tax brackets and my IRMA situation?"

Summary

This business idea revolves around helping individuals strategize their Roth IRA conversions as a means to create a liquidity account that avoids tax implications. The concept is that rather than withdrawing funds from a traditional IRA and placing them in a taxable savings account, individuals can convert those funds into a Roth IRA. This allows them to access funds without tax consequences, especially when they are over 59.5 years old and have had their Roth for more than five years. The service would include personalized tax analysis to determine optimal conversion amounts based on the client's income and tax bracket. The target audience includes retirees or near-retirees who have traditional IRA accounts and wish to manage their tax liabilities effectively while maintaining liquidity for expenses. Tactics could involve using financial planning tools to simulate different conversion scenarios and project tax impacts, ultimately guiding clients in making informed decisions.

Categorization

Business Model
Service
Target Founder
Subject Matter Expert
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
< $1,000

Scores

Clarity
8/10
Novelty
6/10
Feasibility
7/10
Market Potential
7/10
Evidence
8/10
Overall
7.2/10
Found on August 30, 2025 • Analyzed on October 1, 2023 12:00 PM

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2:34 PM

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