Roth Conversions in Alpharetta, GA
A Measured Approach to Tax-Free Growth
A Roth conversion is permanent once it's done. We help you convert the right amount, in the right years, for your tax situation.
Fee-Only • Fiduciary • Independent RIA • CFP®, ChFC® • 30+ Years Serving North Atlanta
What Actually Matters With a Roth Conversion
A Roth conversion is a simple idea on paper: move money from a traditional IRA or 401(k) into a Roth account, pay taxes now, and get tax-free growth and withdrawals later. What's harder is knowing how much to convert and when. At Daner Wealth Management, we help high-income professionals and executives in Alpharetta, Roswell, and Johns Creek think through the timing and amount of a Roth conversion as part of your full financial picture.
When to Start This Conversation
You may be ready for this conversation if you're in a gap year between retirement and when RMDs begin at 73 or 75, depending on your birth year, if you expect a lower-income year for any reason, or if leaving tax-free assets to your heirs is part of your legacy goals.
Our Process
We start with a conversation about your income, your tax situation, and your goals. From there, we help you think through:
- A Bracket-Filling Approach. Rather than converting everything at once, we help you calculate how much room you have in your current tax bracket and convert up to that limit, then repeat the process in future years as it makes sense for your situation.
- Timing Your Conversion Window. The years after you stop working but before RMDs begin are often the most tax-efficient window for conversions, since your income has typically dropped. We help you think through whether a traditional 401(k) balance or an IRA is the better source, and coordinate the timing with any planned account rollovers.
- Weighing Georgia's State Tax Treatment. Georgia offers state-level exclusions on retirement income that may reduce the state tax impact of a conversion, depending on your age and income. We factor this into the timing and amount we recommend.
- Coordinating With Your Legacy Goals. Roth accounts aren't subject to RMDs during your lifetime, and qualified withdrawals are tax-free for your heirs too. For clients focused on what they leave behind, this can be a meaningful piece of the plan.
- Considering Related High-Earner Strategies. If your income is too high to contribute to a Roth IRA directly, strategies like a backdoor Roth IRA or, for some employer plans, a mega backdoor Roth may be worth exploring alongside conversions.
As a fiduciary, every recommendation is built around your interests, not a product. We don't earn commissions tied to whether or how much you convert.
We don't charge by the service or take commissions on products we recommend. As a fee-only firm, we charge an all-inclusive percentage of assets under management, generally 0.75%–1.25% annually, so our only incentive is doing right by your plan. We'll walk you through exactly what that means for your situation before you commit to anything.
Why Choose Daner Wealth Management
Marc Daner, CFP®, ChFC®, has helped clients think through Roth conversions and broader tax strategy as part of a full financial picture for more than 30 years. As an independent, fee-only fiduciary, we're required by law to act in your best interest, not selling products or earning commissions. We explain your options in plain language and stay with you as your plan evolves.
Talk to Marc
If you're weighing a Roth conversion, we'd welcome the conversation before you convert anything. Schedule a consultation with Marc Daner to talk through how a conversion fits your full financial picture.
FAQs
Get your questions answered about our Roth Conversions .
No. Income limits apply to direct Roth IRA contributions, not conversions. Anyone can convert traditional retirement funds to a Roth account regardless of income, which is part of why conversions are a common strategy for high earners.
No. Conversion recharacterizations were eliminated by the Tax Cuts and Jobs Act, so a Roth conversion is permanent once processed. This is exactly why we help you think through the amount and timing carefully before you convert.
It depends on your current tax bracket, other income, and how close you are to Medicare and IRMAA thresholds if you're 63 or older. We help you calculate an amount based on your specific tax situation rather than a generic formula.
Potentially. Georgia offers state-level exclusions on retirement income that may reduce the state tax impact of a conversion, depending on your age and income. We factor this into your specific plan.
