Discounted Roth Conversions: What’s That Private Investment Really Worth?

When you're converting traditional IRA assets to a Roth, the tax bill hinges on what those assets are worth—not what you paid. For private placements and illiquid investments, that valuation isn’t straightforward. But done strategically, it can unlock meaningful tax savings. This article unpacks how to value private assets for Roth conversions, which methods the IRS scrutinizes, and how to convert with confidence and compliance.

Bracket Management: The Secret Window Most Retirees Miss

Early retirement offers a rare opportunity—a quiet tax window that many retirees overlook. But with smart Bracket Management, you can turn this lull into a long-term win. By intentionally recognizing income during low-tax years, you can fill your lower tax brackets strategically and reduce the pressure of future RMDs, Social Security, and Medicare premiums. Studies suggest this proactive planning can add six figures of value over time. Don’t let the moment pass.