Make Roth
Work for Your Future
Interested in tax-free growth and easier legacy planning?
We’ll walk you through Roth options and create a step-by-step
plan so conversions are smooth, predictable, and affordable.
Aion Retiement
THE BAR IN THE INDUSTRY
Why choose us?
Are you someone struggling to grow your Annuity business?
Smart conversion modeling
Compare partial and staged conversions tailored to your tax brackets and goals.
Coordination with income strategy
Time conversions around Social Security, RMDs, and withdrawal sequencing to optimize after-tax outcomes.
Legacy optimization
Use Roths and beneficiary strategies to pass more wealth tax-efficiently.
Roth IRA Strategies
for Tax-Free Legacy
Phased Roth Conversions
Implement multi-year conversion plans that spread tax liability, avoid bracket jumps, and preserve account balances while moving assets to tax-free growth.
Conversion Funding & Tax Efficiency
Structure conversions so taxes aren’t paid from retirement accounts (preserving compound growth) and coordinate with deductions, credits, and other income sources to minimize net tax cost.
Roth Integration with Income & Estate Plans
Align Roth conversions with withdrawal sequencing, RMD strategies, and beneficiary design to maximize after‑tax retirement income and simplify inheritance for beneficiaries.
Roth Accounts: Tax-Free Growth and Flexible Withdrawals
Roth accounts (Roth IRAs and Roth 401(k)s) let your contributions grow tax-free and provide tax-free qualified withdrawals in retirement, making them a powerful tool for long-term tax planning. We evaluate whether Roth contributions, conversions, or a Roth ladder fit your situation by considering current versus expected future tax rates, your time horizon, income limits, and estate goals. Strategies include backdoor Roth for high earners, strategic Roth conversions spread across years to manage tax brackets, and using Roth balances for tax-efficient legacy planning or to reduce RMD-driven taxable income.
The result: improved after-tax retirement cash flow, greater withdrawal flexibility, and useful tax diversification alongside traditional pre-tax accounts.
Roth — Tax‑Free
Retirement Growth
Automated contributions
Set up recurring deposits to grow your Roth consistently.
Tax‑free withdrawals
Qualified distributions in retirement are tax‑free.
Flexible access to contributions
Withdraw your contributions any time without penalty.
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PARTNERS
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We are here to help you grow your business
Whether you’ve just joined Aion Retirement or have been with us for years, our dedicated team focuses on each stage of your client acquisition pipeline. It begins with an Account Manager who onboards you onto our platform within 7 days of joining.
Frequently asked Questions
Do you have any questions? We are here for you.
Will converting to a Roth now increase my taxes?
Yes — conversions are treated as taxable income in the conversion year. That’s why we model scenarios to find conversion levels and timing that minimize tax pain and maximize long-term benefit.
What are the benefits of converting now?
Tax-free growth and withdrawals in retirement, elimination of RMDs on Roth accounts for the owner, potential lower taxes for heirs, and locking in today’s tax rates if you expect higher rates later.
Are there situations where I should not convert now?
If you’re in a very high tax year, lack cash outside the retirement account to pay tax, expect lower future tax rates, or have short-term liquidity needs, delaying or doing partial conversions may be preferable.
How do conversions affect Medicare premiums or tax credits?
Conversion income can increase MAGI and may affect Medicare Part B/D IRMAA and eligibility for certain tax credits. We model these impacts and coordinate with your CPA.
Can I undo a Roth conversion?
Historically, recharacterizations allowed undoing conversions, but current law (since 2018) eliminated recharacterizations of Roth conversions. Conversions are generally final.
How do state taxes factor in?
State taxation varies. Some states tax conversions; others do not. We include state-specific modeling in our recommendations.
Will a Roth conversion change RMDs?
Roth IRAs are not subject to owner RMDs; converting pre-tax balances to Roth reduces future RMD obligations from traditional IRAs, potentially lowering taxable income in retirement.
Whether you’re seeking a financial advisor or exploring our free and personalized financial calculators, Aion Retirement is your go-to destination for a secure and confident retirement. Let’s shape your financial future together.