Roth Conversions Well-Crafted

LifeBridge Roth Conversion

Start with their numbers.

Enter the case and the comparison opens straight away — what their IRA delivers, against what the LifeBridge 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 LifeBridge plan — more to spend, and nothing owed on what’s left.
Your IRA
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The LifeBridge plan
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But it gets even better.
The forecast: income steps up, the account keeps growing
 Your IRAThe LifeBridge plan
 Get to spendTaxable balance Get to spendTax-free balance
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Income, every year
Your IRA The plan
Account balance over time
Your IRA The plan
Think of it as the paycheck your IRA replaces.
Where that leaves the IRA, year by year
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The Starting Point
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The Case
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The LifeBridge Advantage
— Advantage
Through age 100 · hover the figure for the math
Tax-free income received, plus what passes to heirs, less what the client paid in — measured through the age on the slider. The account value sits inside the legacy value, so it is counted once.
OPTIMUS
IRA Account
VS
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Cumulative 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
What it costs you, against what doing nothing costs you.
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You avoid
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Tax to convert
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Out of your pocket
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The plan, tax-free Your IRA, after tax
Ready to build this case?
Send the design on screen to the Optimus case desk. 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
Plan Detail — Full Ledger
Future disclosure