Reliable. Personable. Credible. Responsible.

Caught in

the 401k-IRA

tax trap?

Are you worried about rising taxes and RMDs?

In 2026, tax rates go up on retirement account withdrawals. Let us build you a straegy.

Create a tax-free retirement account using the funds in your current pre-tax accounts.

Why Choose American Retirees Alliance for Financial Guidance?

Conquer Your Tax Trap

Develope a personalized proven strategy for converting current qualifed pre-tax retirement accounts to tax-paid Roth accounts.

Wealth Protection

Safely grow your money guaranteed against market loss. Build a fortress around your wealth. Pay tax on the seed, not on the harvet.

Lower Tax Brackets

By Roth converting retirement accounts now, you are reducing future taxed withdrawals, which lowers your brackets.

How To Get Started!


  1. Evaluate Your Financial Situation

    Understand your current and projected future tax brackets, as well as your retirement goals.

  2. Get Introduced to your Advisor

    A professional can provide personalized advice tailored to your unique circumstances.

  3. Plan a Roth Strategy

    Get a spreadsheet and illustration showing the approach you would execute to get started.

  4. Execute the Conversion

Work with your financial professional to initiate the transfer your traditional retirement account to your new Roth strategy account.




We aren't in the business of charging for services. We want to give you the information in advance so you can make an informed decision about your future. To get you that information, we need your help so we can learn about your wants and needs. This will help us craft a plan specifically for you. No two plans are alike, making providing an exact methodology online difficult.

Frequently Asked Questions

What are the steps to the process?

In order to provide you with the best level of service, we recommend going through our short questionnaire and then set an appointment to speak to someone live. The agent in charge of your file will assist in guiding you through the levels of information and how to engage the process.

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What if I am not a technical person? How easy is it to get started?

You don't need to be technically knowledgable to get started. You begin with a short survey-like fact sheet. Your agent does all the heavy lifting for you, gets you all of the applicable information and puts everything together with your full involvement.

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How do I avoid the five-year rule?

Lucky for you, the five-year rule does not apply to all Roth Conversion strategies. Ask your agent how you can avoid the five-year rule in your Roth strategy.

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What Our Clients Say About Us...


I asked a lot of questions, and for every question, I received a thorough answer that made sense and could be supported third-party documentation. I was able to participate transparently via Zoom. This was a no-brainer.


Paul S.

Managing Director

ARA made this process easy to understand. I received my spreadsheet example of a 5-year conversion showing the process in detail. I never felt rushed, and everything was handled with care when I was ready to get started.


Susan P.


With millions of dollars in my qualified accounts, I was headed for the highest tax bracket for the rest of my life. ARA fixed that, and I am on a path to a majority tax-free retirement. I get to continue to enjoy a lifestyle I'm used to.


John J.


First, please take our 30-second survey.

After that, you can set an appointment.

Let's get your questions answered!!!

* We never sell your data to third-parties

* We never sell your data to third-parties

* We never sell your data to third-parties

* We never sell your data to third-parties

* We never sell your data to third-parties

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* We never sell your data to third-parties

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