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NorthpointRetirement Partners
Client visualizer

Structured Roth Conversion

Start with their numbers.

Enter the case and the comparison opens straight away — what their IRA delivers, against what the plan delivers.

$
%
Blended rate on IRA withdrawals
%
What they expect the IRA to earn
Both are needed — the annuity's withdrawal rate keys off the younger spouse. Single client: enter the same age twice.
When the client wants retirement income to start. Year 10 on a 60-year-old is age 70. Change it any time.
Demonstration model for advisor use · not a compliance illustration
Summary

The Advantage

Design
Maximum IncomeLargest income · legacy insured
Income
Begins
Through Age 90
The Starting Point
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The Case
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Day one of retirement · age 70
What you get to spend — and what you get to keep.
This is the first day of retirement. On the left, the default: your IRA, with the taxes still buried inside it. On the right, the plan — more to spend, and nothing owed on what’s left.
Your IRA
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The plan
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More in your pocket, year one
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But it gets even better.
The forecast: income steps up, the account keeps growing
 Your IRAThe plan
 Get to spendBalance Get to spendBalance
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Get to spend, every year
Your IRA The plan
What is left in the account
Your IRA The plan
Where that leaves the IRA, year by year
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There are four ordinary ways to handle this.
The four ordinary answers, drawn to scale against one another. The point is how little separates them.
Left in the IRA, after tax Roth, tax-free
The Starting Point
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The Case
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The Plan Advantage
— Advantage
Through Age 100
Tax-free income received, plus what passes at death, less what the client paid in — measured through the age on the slider. The account value sits inside the death benefit, so it is counted once.
The Plan
IRA Account
VS
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Tax-Free Distributions*
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Age 100 Account Value
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Age 100 Death Benefit
7.0%
Assumed
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After-Tax Distributions
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Age 100 Balance
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Client Outlay
Over 6 Years
⟷
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Taxes Paid
During Retirement
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The plan, tax-free Your IRA, after tax
Ready to build this case?
Send the design on screen to the case design team. You add the client's last name, the state and your email. Everything else goes exactly as shown here.
1
Convert with a floor
Protect
Principal is protected against market losses — the downside floor a traditional conversion lacks.
2
Tax freezing
Freeze
Converting in controlled slices locks in the value being moved and the tax bill that comes with it.
3
Tax offsetting
Leverage
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Step 01
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Step 02
Convert in slices
The IRA converts a slice at a time, on a schedule set by the design. The client funds the first slice.
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Step 03
Distributions pay the tax
Staggered Roth distributions cover the conversion tax as it falls due — the plan pays its own bill.
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Step 04
Income turns on
Roth proceeds into an indexed annuity — joint lifetime income that never decreases.
Age 68
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The Cash Flow — costs below the line, offsets above Policy years 1–12
Premium paid in (client outlay)
Conversion tax due
Policy loan
Roth distribution
Net cash flow
Conversion slice that year
What it costs you, against what doing nothing costs you.
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You pay in
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You avoid
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Total client outlay
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Share of the account
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Paid once, in the funding years
Lifetime tax if you do nothing
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Income tax plus tax at death
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Plan Detail — Full Ledger
Ledger source: a sample $1,000,000 illustration, rescaled to the case inputs on screen. Index credits, caps and policy charges are illustrative and not guaranteed. Turn on the audit trace and hover any figure to see how it was built.