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Learn how to convert funds to Roth
without paying the taxes out of your own pocket.

Download the workbook that walks pre-retirees through the Cash Balanced Roth© Strategy — the same 7-step framework used in a one-on-one Roth planning session.

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The Roth Cash-Balanced Strategy — Your 7-Step Planning Guide workbook cover

The Roth Cash-Balanced Strategy

Your 7-Step Planning Guide — a new approach for up to 97% more lifetime tax-free income.

Most IRA owners know a Roth conversion is powerful — but they stall on one fear: writing a painful tax check out of pocket. This workbook breaks that myth. It shows how to convert using a portion of the IRA itself to cover the taxes, the same way the IRS already withholds from your RMDs — but now working for you.

1Clearly define priorities
2Establish timelines
3Find current tax bracket
4Set maximum tax bracket
5Choose tax source
6Calculate bonus impact
7Build your personalized Roth Blueprint

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More guides coming soon
Coming soon

The RMD Survival Guide

How required distributions stack — and the strategies that defuse them before age 73.

Coming soon

The IRMAA Avoidance Playbook

Managing income around Medicare's surcharge cliffs and the 2-year lookback.

Coming soon

The Legacy Protection Guide

Beating the 10-year inherited-IRA rule and passing wealth with less tax erosion.

Before you convert — get your baseline

What's Your Retirement Tax Readiness Score?

The workbook shows you the how. The 13-question assessment shows you the why — your personal exposure to RMDs, IRMAA, and the Widow Tax Penalty.

Get My Score →

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The Roth Cash-Balanced Strategy workbook is for educational purposes only and is not intended to indicate actual performance or predict future results. It does not constitute investment, tax, or legal advice, nor a recommendation to buy or sell any investment or product. Hypothetical, non-guaranteed values are subject to change. Consult qualified professionals regarding your individual situation. IRS Circular 230: any tax information here is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the U.S. Internal Revenue Code.