Page 84 - Ready Set Retire

Stephen J. Kelley
These gains were achieved simply by utilizing guaranteed
streams of income in a way the brought taxes way down and
income way up,. It involved no risk and no fees. It is all about
being smart.
The process is shown below. It provides clear benefits anyone
can understand, reducing taxes by 60%, increasing income by
two to three times, and recapturing the taxes paid in the
conversion, and then some. To derive the benefits of the Roth
Advantage approach in a traditional income plan, you would
need to secure a consistent rate of return of 8%, net of taxes
and fees, for a ten-year period. Where does this number come
from?

Figure 13: How the Roth Advantage Works

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