Course 7.3 · 60 minutes
Retirement Account Strategy: Roth Conversions, Backdoor Roths, Health Savings Accounts, and Required Distributions
Choose between traditional and Roth with real numbers, execute a backdoor or mega backdoor Roth cleanly, and time conversions and required distributions to pay the least tax over your lifetime.
- Who it is for
- Savers at every stage, and retirees with large pre-tax balances.
- Runtime
- 60 minutes
Pre-order: this course is still in development. Your purchase includes its materials as they are published in your portal. No release date is confirmed. Buy 5 or more and every course is 30% off.
After payment is confirmed and your access is set up, the files listed below can be downloaded from your portal. Any unpublished materials will be added when ready, at no additional charge.
Files currently available
- Roth Conversion Ladder Calculator Guide.
- Roth Conversion Ladder Calculator.
- Backdoor Roth Checklist.
- Mega Backdoor Eligibility Checklist.
- Rmd Calculator and Qcd Tracker Guide.
- Rmd Calculator and Qcd Tracker.
- Where the Next Dollar Goes.
- Slide deck.
- Visual: Roadmap.
- Visual: Account Map.
- Visual: Traditional vs Roth.
- Visual: Backdoor Flowchart.
- Visual: Pro Rata.
- Visual: Mega Backdoor Stack.
- Visual: Conversion Clocks.
- Visual: Rmd Table.
- Visual: Hsa Triple.
- Visual: Ladder Comparison.
- Visual: Convert Decision Tree.
- Workbook.
- The narrated lesson. 60 minutes, cued to the deck, with chapter markers by lesson. Added to your portal when published, at no extra cost. This purchase does not guarantee that the narrated lesson is available today.
What the course covers
- 01The accounts and what each one is for, including 529 plans and the new children's accounts7 min
- 02Traditional versus Roth: the math and the bracket bet6 min
- 03The backdoor Roth: the nondeductible contribution, the form, and the pro-rata trap7 min
- 04The mega backdoor Roth: after-tax contributions and the plan features you need5 min
- 05Roth conversions: when, how much, the five-year rules, and the Medicare premium cliffs9 min
- 06Required minimum distributions: the ages, the penalty, and the charitable shortcut6 min
- 07The health savings account as a stealth retirement account, with the new eligibility rules5 min
- 08Worked example: a 55-year-old couple with 1.5 million dollars pre-tax, a conversion ladder versus none9 min
- 09Tricks of the trade and traps: converting in a down market, paying the tax from outside, and the form everyone forgets6 min
How it fits: Requires 7.1. Pairs with 4.5 and 3.4.
The standard every course holds
- A narrated lesson of 45 to 60 minutes, produced as audio
- A designed slide deck you download and keep
- A computational workbook that runs the actual legal tests
- A toolkit of checklists and protocols
- A legal authority appendix carrying the two-pass vetting protocol
Written for a diligent reader with no legal education. Professionally narrated using a studio voice model of Brian T. Boyd. The course is recorded instruction, not a live consultation.
Where this course sits
Track 7: Tax Reduction and Strategy
This course is one step in a track built around a single outcome. See the full build order and the other courses that get you there.
Back to this trackEducational material from the private client curriculum of Brian T. Boyd. This is legal education for a general audience, not legal advice, and no attorney-client relationship is created by purchasing, viewing, or using it. Tax outcomes depend on your facts and your state.