Is Your IRA a "Tax Trap"?

See how a strategic "Roth Conversion Blueprint" could potentially save you significant lifetime taxes—without putting your retirement lifestyle at risk.

Would you trade your $10 bill for my $20 bill?

Take 93 seconds to watch this video and learn more.

The "Default Option" Could Cost You

Many retirees have done a great job saving, but their IRA does not all belong to them.

The IRS wants its share. If you have a large IRA balance and stay on the "default" path, you could face these three risks:

  • The "Tax Torpedo": When Required Minimum Distributions (RMDs) could force you into a higher tax bracket at age 75, just when you want to pay fewer taxes

  • The IRMAA Surprise: High income from RMDs can trigger higher surcharges on your Medicare premiums.

  • The Widow’s Penalty: If one spouse passes away, the survivor is often pushed into a single filer bracket, paying more tax on the same income.

The "Do Nothing" Cost: We recently analyzed a hypothetical couple, "Will & Cynthia," who are both physicians. Their stories, and others, are shared in our Roth Conversion Case Studies brochure. You'll receive this with your Estimated Lifetime Tax Bill.

The Roth Conversion Blueprint™

We don't guess. We do the math. The Roth Conversion Blueprint is a diagnostic service where we analyze your specific tax situation.

  • Estimated Lifetime Tax Bill: A visual "weather report" of your taxes if you do nothing vs. if you plan.

  • The "Tax Reveal": We calculate your potential tax savings in actual dollars.

  • Conversion Strategy: An analysis as to whether or not a Roth conversion makes sense for you. If so, we provide a specific Roth conversion year-by-year schedule showing how much to convert in each year.

  • CPA-Reviewed Strategy: Your plan includes a review letter from an independent CPA-Attorney to help ensure technical accuracy.

How It Works

  • Step 1: The Eligibility Check (15 Min) We get on a brief call to verify your numbers (assets, current tax status). If we can't help, we tell you immediately.

  • Step 2: The Tax Reveal We run your numbers through our specialized software. We will show you your "Estimated Lifetime Tax Bill."

  • Step 3: The Next Step Two common next steps are...

    • Option A: Become a Private Client. We handle everything - the analysis, year-by-year planning, CPA review process, and implementation.

    • Option B: Purchase the Blueprint detailing the year-by-year recommended Roth conversion schedule for a one-time fee of $1,250 (includes CPA review)

Who Is This For?

This strategy is strictly for retirees and pre-retirees who are over age 55, have accumulated over $500,000 in tax-deferred assets (IRA/401k), and are willing to take action now to help protect their retirement assets from unnecessary taxation.

Investment advisory services offered through CreativeOne Wealth, LLC, a registered investment adviser. CreativeOne Wealth and Red Mountain Financial are unaffiliated entities. We are not affiliated with or endorsed by any government agency, and do not provide tax or legal advice. Investing involves risk, including possible loss of principal. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. No investment strategy can ensure a profit or guarantee against losses. Licensed insurance professional. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. This material is for informational purposes only, the examples are not guaranteed and should not be construed as a recommendation or advice for your particular circumstances. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including (but not limited to) a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. COD00027511

© 2025 – All Right reserved.