The right conversion amount depends on your total income, filing status, Income-Related Monthly Adjustment Amount (IRMAA) thresholds, Affordable Care Act (ACA) subsidy limits, and estate goals. Start by estimating your modified adjusted gross income before any conversion, then identify the nearest threshold you want to stay below. Test multiple conversion sizes — including zero — to find the amount that fills your target bracket without falling off hidden cliffs.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
