ROTH CONVERSION STRATEGY
A strategy for people with $500K–$5M in retirement savings who want to keep more of what they’ve built.
SEE HOW IT WORKS ↓WITH THIS STRATEGY
Our strategy uses fixed indexed annuity bonuses to offset a significant portion — and in some cases all — of your Roth conversion tax cost.¹
We build a multi-year conversion plan that fills your current bracket each year — so you convert as much as possible without moving into a higher rate.
The products we use protect your principal from market loss.² If the market drops, your account value doesn’t. You participate in gains without the downside risk.
THE PROCESS
0
Analyze
We map your complete tax picture — current brackets, future RMDs, Social Security, Medicare, and the impact on your heirs.
0
Plan
We build a multi-year conversion roadmap tailored to your situation — filling brackets strategically so you never pay more than necessary.
0
Protect
We execute the strategy with you — selecting the right products, managing the conversion timeline, and making sure every step is done right. You’re not figuring this out on your own.
WHAT YOUR IRA IS REALLY COSTING YOU
Most people see one or two. Our strategy addresses all seven.
$45,000³
First-year forced withdrawal on a $1.2M IRA
At 73, the IRS forces you to withdraw from your IRA — whether you need the money or not. On a $1.2M IRA, that’s $45,000 added to your taxable income in year one. It only grows from there.
32%⁴
Tax bracket for many retirees
RMDs stack on top of pensions, Social Security, and investment income. You worked decades in the 22% bracket — retirement pushes you to 32% without you spending a dime more.
85%⁵
Of benefits become taxable
As your income rises from RMDs, up to 85% of your Social Security benefits become taxable. Money you already paid taxes on — taxed again because your IRA withdrawals pushed you over the threshold.
$2,000+⁶
Annual Medicare surcharge per person
Earn $1 over the IRMAA threshold and your Medicare premiums jump by $2,000+ per year, per person. A couple can pay $4,000+ for crossing a line they didn’t know existed.
Larger Every Year
The compounding problem
Markets go up. Your IRA balance grows. But so does the tax liability attached to every dollar. Smaller RMDs today mean larger, more heavily taxed RMDs tomorrow.
40%+⁷
Tax increase for surviving spouses
When one spouse dies, the survivor files as Single. Same income, much higher taxes. A couple paying $38,000 in taxes could see $54,000+ the year after losing a spouse.
$300K+⁸
Potential tax on a $1M inherited IRA
The SECURE Act requires most heirs to drain inherited IRAs within 10 years. Your children inherit during peak earning years — and the IRA gets stacked on top of their existing income.
Preview your estimate below ↓
PREVIEW YOUR NUMBERS
Get a quick estimate based on your situation. For a complete analysis using your actual tax data, we’ll build that together in your strategy session.
See how much our Roth conversion strategy could save you
This calculator provides hypothetical estimates for educational and illustrative purposes only. Results are based on the assumptions you provide and do not reflect any specific insurance or financial product. This tool does not constitute tax, legal, investment, or financial advice and should not be relied upon as a basis for making financial decisions. Your actual results will vary based on your specific circumstances, applicable tax laws, and the products available to you. Consult a qualified tax advisor, CPA, or attorney before making any decisions about Roth conversions or tax strategies. Granite Point Retirement is a licensed insurance agency, not a registered investment advisor, tax preparer, or law firm.
IRA, 401(k), 403(b), SEP, and other qualified plans
Your current marginal rate
Social Security, pension, other income
Day-one bonus credited to your account
Lifetime Tax Cost
if you do nothing
$773,200
Your Tax Savings
with the ACTE strategy
$713,200
FIA Bonus Offset
of your conversion tax covered by bonuses
Bonus Amount
45% coverage, $50,000 bonus
Fixed Indexed Annuities are insurance products, not investments. Premium bonuses are subject to vesting schedules and surrender charges. No specific product or carrier is recommended.
Granite Point Retirement does not provide tax, legal, or accounting advice. The tax-related information presented here is general in nature and should not be considered tax or legal advice. Tax laws are complex and subject to change. You should consult your own tax advisor, CPA, or attorney regarding your specific tax situation before taking any action.
The estimates shown are general illustrations and do not constitute a recommendation that a Roth conversion or any particular strategy is suitable for you. Suitability depends on your complete financial picture. A licensed professional should review your full situation before any product recommendation is made.
Pursuant to IRS Circular 230: Any tax-related information provided by this calculator is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of (i) avoiding penalties that may be imposed under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.
This is an illustrative preview. Results are estimates based on general assumptions. Your actual savings depend on your specific tax situation, which we’ll analyze together.
THE STRATEGY
Roth conversions eliminate future RMDs, reduce Medicare surcharges, and protect your heirs — but they trigger a tax bill today. Fixed indexed annuities offer built-in bonuses that offset a significant portion of that cost.¹
$44,000⁹
Tax on a $200K conversion
$30,000¹⁰
FIA bonus offset
See the full strategy with real numbers and real scenarios.
YOUR GUIDE
“I started in this industry over 20 years ago. I’ve spent my career helping companies innovate — building products and strategies that solve real problems. This is the product and the strategy that brought me back. Nothing else I’ve seen solves these problems this cleanly.”
20+ years across insurance, government, and technology. Career spent as a product manager evaluating what works, what doesn’t, and what’s worth building around. Came back because FIAs with built-in bonuses, paired with multi-year Roth conversion strategy, create something that wasn’t possible before. That’s what Granite Point is built around.
Eric Lenhardt
Founder, Granite Point Retirement
COMMON QUESTIONS
No — it’s straightforward tax planning combined with product mechanics that most advisors don’t use together. The math is real, and we encourage you to bring your CPA to your strategy session. We’ll walk through every number together.
We welcome it. We’ll give you a list of specific questions to ask them. Most CPAs become advocates for the strategy once they see how the numbers work — they just haven’t seen this approach before.
You can. But every year you wait, your IRA balance grows, your conversion window gets shorter, and the total tax cost increases. We’ll model both scenarios — acting now versus waiting — so you can see the difference in real dollars.
The strategy session is free. If we move forward together, our compensation comes from the insurance carriers — not from your pocket. There are no advisory fees, no AUM charges, and no hidden costs.
Yes. Many people do. The annuity isn’t required — it’s an advantage. The FIA bonus helps offset the conversion tax, and the principal protection means your converted money is protected from market loss. But the Roth conversion itself works with or without it.
FREE MASTERCLASS
45 minutes that could save you hundreds of thousands of dollars in lifetime taxes.
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