COULD TAXES BE ONE OF YOUR BIGGEST EXPENSES IN RETIREMENT?
Discover how a strategic Roth conversion may help you create more tax-free retirement income, reduce future tax exposure, and take greater control over your retirement assets.
Join us for an educational retirement workshop designed for people who have accumulated money in IRAs, 401(k)s, and other tax-deferred accounts – and want to better understand what happens when it’s time to start taking that money out.
What can you expect to learn from this class?
Why the shift from traditional pensions to 401(k)s placed more retirement risk and responsibility on individual savers
How taxable withdrawals and required minimum distributions may affect retirement income
What a Roth conversion is and how it moves assets from tax-deferred accounts into a Roth IRA
Why Roth accounts can provide tax-free growth, qualified tax-free withdrawals, and no lifetime RMDs for the Roth IRA owner
Why timing, tax brackets, and the amount converted are critical considerations
How a fixed annuity may potentially be used as a stabilizing component during a Roth conversion strategy
What exactly is a Roth Conversion?
A Roth conversion moves money from a tax-deferred retirement account, such as a traditional IRA, into a Roth IRA. The amount converted is generally treated as ordinary taxable income in the year of the conversion, but those assets can then benefit from tax-free growth and qualified tax-free withdrawals. Simply put, you pay taxes on the conversion today for the potential to reduce or eliminate taxes on those converted assets later. Rather than converting everything at once, a well-designed strategy may use partial conversions over several years to help manage the tax impact more deliberately.
Take Greater Control of Taxes in Retirement
If you are approaching retirement or are already retired, the taxes you pay on your retirement savings can have a significant impact on the income you ultimately get to keep. With much of today’s retirement wealth held in tax-deferred accounts such as 401(k)s and traditional IRAs, understanding when and how those assets are taxed can be an important part of planning for retirement.
Join us to learn how a strategic Roth conversion may help you move retirement assets from tax-deferred to potentially tax-free, reduce future tax exposure, and create more tax-free income in retirement. We’ll explore the valuable Retirement Tax Window, why the timing of a conversion matters, and how partial Roth conversions can be structured over multiple years. You’ll also discover how a fixed annuity may be used as part of the strategy to help manage market risk and provide more predictable accumulation during the conversion period.
You're invited to the Clubhouse at Sanctuary Park for this informative class focused on Roth Conversion Strategies: Creating More Tax-Free Retirement Income on September 10th at 12:00 PM.
Space is limited. Sign up today!
THURSDAY
September
10
12:00 PM
This class explores how taxes can impact your retirement income and how strategic Roth conversions may help reduce future tax exposure. Learn how to identify your Retirement Tax Window, time conversions effectively, and potentially create more tax-free income for retirement.
Frequently Asked Questions
Who is this class for?
The details shared during our class can benefit individuals who have already retired, as well as those nearing or simply wanting to prepare for retirement.
This workshop may be especially valuable if you:
• Have a meaningful portion of your retirement savings in a 401(k), 403(b), traditional IRA, or other tax-deferred account
• Are approaching retirement or recently retired
• Are concerned that future taxes could reduce your retirement income
• Want to understand how required minimum distributions may affect your tax situation
• Are curious whether a Roth conversion could make sense for you
• Want to learn how conversions may be spread over multiple tax years
• Prefer to understand the advantages and disadvantages before making a financial decision
What's the purpose of this class?
This class is 100% educational. Presenters may distribute their business cards or brochures to offer information about their company. Attendees are NOT obligated to interact with the speaker during or after the class.
By the end of the workshop, you should have a clearer understanding of three important retirement-planning concepts:
• Taxes can materially affect your retirement outcome.
• Your retirement tax window may create a valuable planning opportunity.
• Strategically timed Roth conversions may improve the tax efficiency of your retirement plan.
• The presentation also emphasizes that a fixed annuity may help reduce risk during the execution of the strategy when it is appropriate for the individual investor.
Who is the speaker/presenter?
Gordon Sylvester
Gordon brings over 27 years of financial services experience, with the last 14 years serving as a senior sales leader within a leading national IMO. Prior to focusing on the insurance world, he led two different wholesaling Broker/Dealers. His career began as a NASDAQ market maker, where he met Chris on the first day and quickly became close friends. He has passed the Series 4, 7, 9/10, 24, 31, 55, 63, and 65 FINRA exams, as well as the Life and Health exams.
Gordon leads the day-to-day operations of Divergent Advisors and enjoys the daily interactions with the financial professionals. Personal relationships remain a founding principal of Divergent Advisors and Gordon enjoys being able to assist the financial professionals with any aspect of their business.
Originally from the Detroit, Michigan area, he continues to believe that it is only a matter of time for his beloved Detroit Lions. While technically not from South Detroit unfortunately, the office must listen to his rendition of Don’t Stop Believing or some other song on a daily (hourly?) basis. In addition to his musical, and vocal contributions to the office, he loves to cook and share his latest recipe mashups with the employees. Gordon and his wife Stacee, along with their four kids, live in Canton, Georgia where they are actively involved in the children’s sports activities.
The Clubhouse at Sanctuary Park
Address
1115 Sanctuary Parkway
Alpharetta, GA 30009
When
Thursday, September 10
12:00 PM
