Roth conversion advice usually turns on a guess about future tax rates, but conversion value has multiple components, each requiring a robust multi-year tax model whose outputs cannot simply be assumed. Our research goal is to improve the decision process and show whether each conversion is profitable in understandable present-value terms.
New to this? The Practitioner Guide walks through the conversion decision from first principles, in plain prose.
Quantifies the two Tax-Drag Shelter alphas in a Roth conversion: RMD-reduction (from the Convert decision) and SRC (from the Outside-settlement decision).
When you pay Roth conversion tax from outside the retirement account, you've quietly made a Roth contribution equal to the tax — bypassing the IRS contribution limit. This paper isolates that component and values it.
The paper that introduced the Synthetic Roth Contribution concept and decomposed conversion-tax payback into its components. The framework has been substantially extended in the two working drafts above.
These and other frameworks are available at RothGPT.com. Enter your own numbers and see Rate-Arbitrage alpha, Tax-Drag Shelter alpha, and Medicare IRMAA alpha combine into a recommended bracket-filling conversion that maximizes your post-conversion wealth.
The model is also available inside Claude.ai as a certified connector, so Claude can explain the model’s output in depth.