What’s Better?
Traditional IRA or Roth IRA

Of course, the Roth is better (unless you’re the one-in-a-million who thinks future tax rates will be lower)

So why is all your money stuck in a traditional IRA, 401k, 403b, 457, or other so-called tax-qualified plan?

There’s Only One Reason

You don’t want to pay the tax bill to convert.

Let us show you how to convert your traditional account to a Roth IRA with no net impact.

Start with a $250,000 traditional qualified account – end up with a $250,000 Roth account.

Learn more about our exclusive ‘reduce and recover’ Roth conversion strategy.

Traditional Conversion

$250,000 IRA Balance

-$75,000 Conversion Tax (at 30%)

$175,000 Roth Balance

Velomon Conversion

$250,000 IRA Balance

$ -0- Net Conversion Cost

$250,000 Roth Balance

No age requirements/restrictions

$100,000 account minimums, no maximum

Works for IRAs, 401ks, 403bs, 457s, TSPs, and others

9 Reasons To Consider Roth Conversion

Complete Immunization from future income tax rate increases

No wealth-sapping, forced-taxing, Required Minimum Distributions

Tax free (but lower) Roth Balances buy just as much lifestyle as (higher) Traditional balances

Your Roth balance will last just as long as your traditional account

Save fees/commission on the tax portion of your account (money that’s not yours anyway)

Protect Social Security benefits from taxation

Keep Medicare premiums low (avoid IRMAA)

Eliminate the ‘widow’s penalty (higher tax rate on surviving spouse)

Save your heirs 10-years of extra taxes on inherited traditional IRA balances

Ten Questions To Ask Yourself

How much of my retirement income will be subject to taxes – at rates I cannot know?

If taxes go up during retirement, will I have to take money from my lifestyle account and ship it off to Uncle Sam?

If I die before my spouse – do I want him/her to pay a higher tax rate than we paid on our IRA distributions as a couple?

Do I want to keep paying the investing costs, fees, and commissions on the tax portion of my account – money that’s not even mine?

Could the money I take out of my traditional account cause my Social Security benefits to be taxed?

Could the money I take out of my traditional account cause my Medicare premiums to go up?

Do I want my kids to have to pay the taxes on what I leave to them – over 10 years?

If I don’t need the money, do I want to be forced to take distributions just to pay tribute to Uncle Sam?

Do I really want Uncle Sam as a lifetime business partner in my retirement account?

What’s Better?Traditional IRA or Roth IRA