Getting Help

Do you need help with Roth Conversions?

The Math

But here’s the truth: the math tells a different story.

The Book

In the book, industry expert Roccy DeFrancesco and Lauren DeFrancesco pull back the curtain to show you what really matters—the numbers. With over 30 real-world variables considered, this book deconstructs the myths and exposes where most advisors go wrong.

You’ll discover:

• Why “you’ll be in a higher tax bracket later” is often false

• How the wrong conversion strategy can quietly cost you or your heirs six figures

• The hidden impact of IRMAA, Social Security taxation, and poor withdrawal sequencing

• How to tell if a Roth conversion actually increases your retirement income or legacy wealth

• Why most Roth calculators—and the people using them—are dangerously inaccurate

If you want a fluff-free guide based on real math—not marketing—this is it. Because when it comes to your retirement, you can’t afford to get this wrong.

Ongoing Support

We offer a comprehensive range of resources to help you understand Roth Conversions—from books to white papers—giving you the knowledge to make informed decisions and confidently advocate for sound financial guidance.

Roth conversions are everywhere. Advisors pitch them as a no-brainer. Online calculators oversimplify them. Gurus with books say they’re the silver bullet of retirement planning.

Cautionary White Paper on the Use of Bonus Annuities and Roth Conversions

Bonus Annuities are often proposed as a solution to paying the taxes on a Roth Conversion. In this white paper, we will break down the math behind why this doesn’t work...