Roth conversions have always had the potential to unlock hidden value. Today’s Market Conditions and the no-RMD rule in 2020 are creating some unique opportunities. One emerging strategy is to trade your RMD amount for a Roth conversion. This appears to be a promising opportunity for many clients.

Before the SECURE Act, it was perhaps simple nominal conversions to take advantage of a low-income year. However, the SECURE Act expands the impact of Roth conversions beyond a quantitative arbitrage game to a strategic estate planning set of issues that should be of interest to all lawyers, trust officers, insurance and financial advisors, and CPAs. The paradigm shift from life expectancy distributions to a 10-year distribution is at its core a mathematical problem. Therefore, quantitative-driven strategies can mitigate the impact of lost deferral, and Roth conversions will be the primary tool for most families.

IMPORTANT NOTE: This is not a class designed to help wealthy clients, but instead will provide advice for the mass-affluent. The webinar materials will include easy-to-follow flowcharts, graphs, and tables.

Learning Objectives:

• Identify low-value Roth conversions & how to take advantage of the no RMD rule


• Determine how to make Roth conversions equal to the forgiven RMD & critical Roth conversion concepts after SECURE


• Identify critical strategies by profession and objectives


• Identify over ten reasons to convert to a Roth IRA


• Identify easy to read conversion tables by common scenarios


• Determine how to use and analyze conversion software & the mathematics of Roth IRA conversions