ATTENTION: AMERICANS WITH MORE THAN $250K IN RETIREMENT SAVINGS
Discover How Roth Rescue May Help Reduce Taxes in Retirement
Retirees and pre-retirees (ages 50–80) are turning to this strategy to help reduce taxes from RMDs and create more predictable, tax-advantaged income — all while keeping greater control of when and how they draw retirement income.
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U.S. regulated fiduciaries
Takes ~ 3 minutes
It’s True, Now Could Be The Best Time To Roth Rescue Your Retirement
Dear Reader,
The window of opportunity is closing fast…
With taxes at historic lows and federal representatives attempting to eliminate this little-known “ROTH RESCUE” strategy...
Now is the best time to protect your investments and fund your future retirement.
Why is the Roth Rescue quickly becoming the go-to strategy for the nation’s elite?
It’s because there is a perfect storm on the horizon…
❌ Government debt is spiraling out of control
❌ Tax rates are at all time lows (they've been as high as 92%)
❌ Traditional retirement accounts make you take RMDs
❌ Your heirs are forced to pay taxes on traditional accounts
You might be saying, “I’ve heard of Roth Conversions before, and I don’t want to pay my taxes upfront.”
Well, there’s good news.
With a Roth Rescue, you may qualify to have most of your Roth conversion taxes reimbursed (more on that later).
What is a Roth Rescue?
Simply put...
It’s when you move money from a traditional retirement account (like a 401(k) or traditional IRA) into a Roth Rescue Account.
But unlike traditional Roth Conversions (where you have to pay taxes on the converted amount), you can be reimbursed for most, if not all, of your taxes due on your Roth conversions.
Once your Roth Rescue strategy is set up, your money may grow tax-deferred and could allow for tax-free withdrawals in retirement when structured under current IRS rules.
It's a legal way to “pick your tax rate” and with rates at historic lows!
And another nice benefit…with a Roth Rescue Account, there are ZERO minimum distributions (RMDs) as you age... so you can avoid mandatory withdrawals.
With A Roth Rescue Strategy, You May Be Able To:
✅ Reposition heavily taxed retirement assets into accounts designed for tax-advantaged growth and potential tax-free income when structured under current IRS rules.
✅ Access product features that may help offset or reduce the taxes due at conversion, depending on terms and eligibility.
✅ Grow assets without direct market losses and access them tax-free in retirement if IRS qualifications are met.
✅ Support your legacy goals with planning strategies that can provide tax-advantaged transfers to beneficiaries.
✅ Reduce or eliminate RMD obligations by converting to Roth IRAs, helping you keep more control over when and how you draw income.
There Must Be A Catch, Right?
Every strategy has requirements — here are the two you should know:
1️⃣ Roth Rescue typically works best for retirees with $250,000 or more in qualified savings, though suitability depends on individual circumstances.
2️⃣ You can’t do it yourself — a state-licensed Roth Rescue Advisor must design your plan to ensure it’s structured according to current IRS rules and terms.
How It Works (3 Simple Steps)
Complete a quick survey
Answer a few short questions to see if Roth Rescue may be a fit.
Meet with a Licensed Roth Rescue Advisor
In a 15–20 minute call, an advisor will review your situation and determine suitability.
Review your options
If it’s appropriate, you’ll receive a personalized strategy showing how Roth Rescue could support your retirement goals.
What is a Licensed Roth Rescue Advisor?
A Licensed Roth Rescue Advisor has earned a special license required by your state...
This is often different than your typical financial advisor.
This allows them to work directly with Pension Managers at A-Rated Pension Companies, and allows them to be certified as a Licensed Roth Rescue Advisor.
Why Should I Schedule My Complimentary Roth Rescue Suitability Review Call?
There are legal restrictions like the types of accounts you have, and how long you've been funding them for.
To complete your qualification and provide a customized and personalized Roth Rescue, your Licensed Roth Rescue Advisor will need 5 - 15 minutes so they can determine if a Roth Rescue is suitable for you.
Like a mortgage, once you're pre-qualified, you need to speak with a banker.
This is no different.
Your Licensed Roth Rescue Advisor will be the first to tell you that a Roth Rescue will not work for you.
Don't wait, and begin the suitability process by completing the brief survey below.
Find Vetted Financial Advisors Who Serve Your Area
Our above list may have kickstarted your financial journey, but you can take it to the next level using SmartAsset’s free financial advisor matching tool. While the methodology is different and you may not be matched with one of the firms mentioned above, our exclusive tool will match you with vetted fiduciary advisors, obligated to work in your best financial interest.
By clicking your state below and completing our questionnaire, you can compare fiduciary financial advisors who serve your area and decide which to work with.
Legally Committed to Your Financial Success
SmartAsset matches thousands of people with financial advisors each month. Advisors are vetted through our proprietary due diligence process. We only match with fiduciaries, so all of your financial advisor matches are legally committed to acting in your best interest.
The SmartAsset Guarantee
SmartAsset's advisor matching service is at no cost to you and there is no obligation to work with any of your advisors matches. You're in control. We are paid by our large network of fiduciary advisors to connect them with potential clients.
The criteria for the matching tool differs from the methodology for the list above and you may not be matched with the advisor firms mentioned in this article.
Answer SmartAsset adviser match quiz
Answer a few questions to help us get to know you
Review your matches
We help you stay in control of the advisor search by giving you vetted fiduciary advisors for you to review at your leisure
Connect with advisors
We'll help you facilitate introductions in the format that makes sense for you
Why Work With an Advisor?
It could be more important now than ever to review your retirement plan with a fiduciary financial advisor.
Here’s why: The pandemic has shown us just how quickly decades of planning, investing and saving can potentially be completely upended. This may mean your current financial plan could potentially leave you without enough money to last your retirement.
Additionally, emotionally-charged decisions to sell off large quantities of stocks or other investments could lock in any potential losses, removing any chance for potential future growth.
SmartAsset’s latest proprietary model reveals that working with a financial advisor could potentially add from 36% to 212% more dollar value to investors’ portfolios over a lifetime, depending on multiple unique, individual factors.1
A 2023 Northwestern Mutual study found that 66% of U.S. adults admit their financial planning needs improvement. However, only 37% of Americans work with a financial advisor.2
Disclaimer: This example demonstrates the potential final lifetime portfolio value, accounting for estimated investment returns, tax savings and inflation over different life stages for an individual starting with $500,000 at age 45, through age 77. Under a set of core assumptions, this consumer profile is projected to have a final lifetime portfolio value of approximately $3.24 million if retaining the services of a financial advisor – not accounting for additional savings or portfolio withdrawals – versus a final estimated lifetime portfolio value of $1.56 million without the services of a financial advisor. This example is based on the valuation framework presented in SmartAsset's whitepaper “The Value of a Financial Advisor: What's It Really Worth?” (Nov. 2024). The value of professional financial advice is only an illustrative estimate and varies with each unique client's individual circumstances and portfolio composition. Carefully consider your investment objectives, risk factors, and perform your own due diligence before choosing a financial advisor.
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