Roth Conversions and Alternates

We help our clients with tax strategies for their retirement savings and it only takes 30 minutes to explore what’s available to you.

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Many retirees want protection from the impact of taxes on their retirement accounts. Here’s why:

  • They understand that their hard-earned savings is typically in a 401(k) or traditional IRA, which are subject to taxes.

  • Many retirees think tax rates could be higher in the future, which makes them want to act now.

  • Because of this, many financial advisors recommend a Roth conversion, where you pay taxes now instead of later.

But Roth conversions can lead to sizable tax bills in the short term, potentially affecting your retirement savings.
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A Roth conversion may result in significant upfront tax bills.

My job is to help you develop the right strategy to potentially reduce your tax burden.

I’m Suba Narla, and I’ve helped hundreds of families prepare for retirement. My team and I build tax-smart plans for our clients to help them minimize the impact of taxes as much as possible.

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Suba Narla, Financial Advisor for Over 20 Years

What if there was a better way for you?

Introducing the Roth Conversion Alternative: a new solution designed to help retirees navigate their tax options. And it’s easy to see what might be possible for you.

Our Roth Conversion Alternative may help you:

  • Pay little to no out-of-pocket income taxes

  • Maintain interest-earning power on taxes that might otherwise be paid during a Roth conversion

  • Potentially earn additional interest and generate supplemental income, which could be more tax-friendly

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Find out how much you could potentially benefit with a complimentary analysis from our team.

It takes 30 minutes to explore what’s available to you. No catch or commitment required.

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Discover strategies that could help lower your taxes, preserve your wealth, and support the retirement you want.

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Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Wealth Strategies USA and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Disclosures: Not applicable to all clients. Results will vary depending on amount and length of contributions; Product and Strategy selected; future Stock Index returns; underwriting of client’s financial and health conditions; and other non specific issues. Use the concepts for information purposes only. Values and benefits are not guaranteed unless the column is marked guaranteed. Actual returns will depend on future stock performances and other factors. This presentation is about using Insurance Products, mainly Fixed Index Annuities and Index Universal Life Policies to help a Client’s Retirement needs and/or provide Financial Protection in case of a loss of life or provide client with Financial Living benefits. Ask your Agent or Advisor on how to minimize the impact of surrender charges, if any. Numbers shown are for illustration purposes only and actual values will vary based on individual age, health , company and product selected and other underwriting guidelines, as applicable. Please consult with your own Tax Attorney, Estate Planning Attorney, Accountant, Financial advisor and your Family or Business Attorney for any specific Legal, Tax, Investment or Accounting advice, and to determine the appropriateness of any specific plans discussed. Use the concepts for long term retirement planning only. If not structured properly IUL policies can lapse if only the minimum guaranteed returns are credited. In the first three years of most IUL policies due to the surrender charges, there will not be any money available for withdrawal or to borrow from the policy or some companies may  not let you borrow back the money in the first 3 years. Unless expressly stated, any US Federal tax related information contained in these materials is not intended or written to be used, and cannot be used, by any person or entity for the purpose of avoiding any Taxes or penalties that may be imposed by IRS. Each company has its own proprietary investment methods that are not shared with the general public. Any analysis shown is not to be associated with any specific company, but should be used as a standalone process on how Index strategy can potentially work. No warranties are being provided with this information and as such please use the examples to get a basic understanding of the process. The expense and rates of return numbers used are for illustration purposes only. Hypothetical returns shown are not guaranteed, as actual future performances will depend on how well the selected stock index performs.

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