Rick White, CTS • Certified Estate and Trust Specialist™ • 45 Years of Experience
Stop Paying Taxes on Your IRA Conversion
Most people converting a traditional IRA to tax-free status write a check to the IRS for $40,000–$50,000 every year. There is a strategy that funds the tax from the strategy itself — not from your savings. Starting in year two, your out-of-pocket liability is zero.
Find out if you qualify — download the free Strategy Guide below.
The Zero-Tax IRA Strategy
You Shouldn't Have to Bleed Your Savings to Get to Tax-Free
If you’re converting a $1 million IRA at $150,000 per year, and your combined tax rate is 30%, you’re writing a $45,000 check to the IRS every single year.
Over a 7-year conversion, that’s $270,000 or more out of your pocket — before any growth those dollars would have earned.
There is a strategy that eliminates that out-of-pocket tax liability starting in year two. The tax is funded from the strategy itself. You still get to tax-free status. You just don’t drain your non-qualified assets to get there.
- The full conversion amount deposits each year as planned
- After the first deposit, funds for the annual tax become available from the strategy
- You borrow from the insurance company's pool — not your own money
- Your estate receives a net death benefit that exceeds total deposits
Get the Free Zero-Tax IRA Strategy Guide
Understand exactly how the strategy works, who it’s right for, and what the risks are. 100% free. No obligation.
Already read it? Book a Strategy Session →
60-minute session. No commitment. Just your numbers.
45
Years advising families & business owners
CTS
Certified Estate and Trust Specialist™
$0
Cost to get the Strategy Guide
NC State
McKimmon Center course instructor — Raleigh, NC
8
Estate planning mistakes covered in the free book
Rick White, CTS
Certified Estate and Trust Specialist™
I’ve spent 45 years sitting across the table from families and business owners — helping them protect what they’ve built, reduce what they owe, and make sure the people they love don’t pay the price for a plan that was never made or never updated.
The Zero-Tax IRA Strategy is the single most powerful tool I’ve seen for pre-retirees with substantial traditional IRAs. If you qualify, I want you to know about it.
I am not an attorney, and nothing I do substitutes for legal counsel. What I am is the advisor who has seen every mistake in the book — and wrote one about it.
What Clients Say
“Rick took what felt like an overwhelming situation and made it completely manageable. He found things in our plan we didn’t even know to look for.”
— Mike W., Raleigh, NC
“I came in thinking I had everything handled. Rick showed me three things I had wrong. That conversation was worth more than I can say.”
— Marsha R., Wake Forest, NC
Also from Rick White
TAX PLANNING ASSET PROTECTION
New from Rick White, CTS: The Estate Planning Mistakes Manual
In 45 years of advising families and business owners, I’ve watched the same preventable mistakes cost real families real money — probate fees that consumed entire inheritances, tax bills no one saw coming, businesses sold at a fraction of their value because there was no succession plan.
This book covers the eight most damaging estate planning mistakes, explained clearly, with real examples and a concrete action checklist at the end of every chapter. Whether you have a plan that needs reviewing or no plan at all, this book tells you exactly what to fix and how.
Available now for $27. Instant PDF download.
Free Resources
Not Ready for the IRA Strategy Yet?
Start with our free estate planning resources. They’ll show you where your current plan has gaps — and the email series will walk you through everything you need to know, including how the Zero-Tax IRA Strategy may fit your situation.
Free 7-Point Checklist
Find out where your estate plan has gaps in about 15 minutes. Delivered instantly, no cost, no obligation.
The Estate Planning Mistake Manual
The 8 mistakes that quietly cost families real money — and how to avoid every one of them.
Retirement Education Course
Rick teaches retirement planning at NC State’s McKimmon Center. Free to attend. Raleigh, NC.