Potentially save thousands in lifetime taxes with a targeted Roth conversion strategy
Black Sand Insurance plans Roth IRA conversions, tax-aware retirement income, and insurance oversight so you keep more of your nest egg — tailored to your timeline and tax profile.
If you’re close to retirement or managing sizable IRA balances, the wrong move can create large tax bills later. We build conversion roadmaps that coordinate taxes, RMD timing, and estate goals so you retain more wealth across generations. Start with a focused consultation — we’ll model outcomes and recommend a phased conversion plan when it makes sense for you.
Core Services: Roth Conversions, Retirement Income, Estate & Insurance
Four focused offerings designed to work together — tax-aware Roth conversions, income sustainability planning, estate/tax minimization, and insurance management.
Roth IRA Conversion Planning
We run multi-year tax projections and craft phased conversion schedules that avoid big income spikes. You get a step-by-step plan showing timing, projected tax impact, and paperwork handled for you.
Retirement Income Maximization
We align withdrawals, Social Security timing, and lifetime income options to stretch your portfolio. Expect scenarios that show sustainable income and downside protection.
Estate & Tax Planning
We map tax-efficient legacy plans that reduce inheritance taxes and clarify beneficiary strategies so your wealth transfers according to your wishes with minimal surprise taxes.
Insurance Advisory & Management
We evaluate gaps and recommend policies that protect retirement income and legacy plans — from life insurance to annuity coordination, chosen to complement your Roth strategy.
Client Stories — Real outcomes, clear process
Short client narratives that highlight clarity, reduced complexity, and hands-on execution.
“Black Sand made my Roth conversion a breeze. They handled the projections, coordinated with my custodian, and explained the tax trade-offs in plain English. What would have been weeks of confusing paperwork became a clear plan — I felt confident every step of the way.”
Jasmine Richards
“After trying several advisors, Black Sand’s approach really stood out. They listened to my goals, showed scenario comparisons, and gave practical recommendations I could implement. The clarity they provided removed the stress I had about retirement planning.”
Monica Chandler
“I sought insurance and retirement advice and found their team insightful and straightforward. They helped me pick policies that aligned with my estate plan, and the whole process was handled professionally with no pushy sales tactics.”
Thomas Krazinski
Frequently Asked Questions
Concrete answers to the most common Roth conversion and tax questions — quick, clear, and practical.
What is a Roth IRA conversion?
A Roth conversion moves funds from a traditional IRA into a Roth IRA, making the converted amount taxable the year of conversion but allowing future tax-free growth and withdrawals (if qualified). Conversions can eliminate future RMDs and offer more control over retirement withdrawals.
Why should I consider a Roth IRA conversion?
If you expect to be in a higher tax bracket in the future, or want to reduce required minimum distributions, a Roth conversion can be beneficial. We show scenario-based outcomes so you can see the long-term tax trade-offs before acting.
How will a Roth IRA conversion affect my taxes?
The amount you convert is added to your taxable income for that year, which can increase your tax bill. We model how conversions affect marginal tax brackets and recommend phased approaches to manage the tax impact.
Can I reverse my Roth IRA conversion if I change my mind?
No. Recharacterizations of Roth conversions are no longer allowed (since the 2018 tax year). That’s why we emphasize modeling and phased plans — to reduce the risk of a one‑time tax spike.
What are the fees for Roth IRA conversions at Black Sand?
Fees vary with complexity. During a consultation we provide a customized quote that includes planning, modeling, and implementation support so you understand the full cost before you commit.
How do I get started?
Schedule a consultation. We’ll review accounts, run projections, and present a recommended plan tailored to your tax profile and retirement timeline.
Ready for a Roth plan that fits your taxes and timeline?
Book a short consultation and get a custom conversion roadmap — no obligation, clear scenarios, and actionable next steps.
Black Sand Insurance — Roth conversion and retirement planning specialists.