For retirees 55–72 with $250k+ in a traditional IRA or 401(k)
The single best $79 Roth conversion report on the market.
Built by a CFP®, not a calculator. Every tax cliff modeled — IRMAA Medicare surcharges, the Social Security tax torpedo, long-term cap gains stacking, the widow's penalty, SECURE 2.0 RMD ages, and inflation on every bracket year-over-year. Eleven conversion strategies scored head-to-head with the one that maximizes your after-tax wealth recommended in writing. Pralana and MaxiFi charge you $99–$109 per year for a tool you have to run yourself. We charge you $79 once for a finished PDF we hand you.
The 10-year window no one tells you about.
A recently-retired buyer asked me: "I'm in the 12% bracket now. At 73 my RMDs kick in and push me into 22%. Is there anything I can do about that?" He'd been getting his taxes filed every spring for 20 years. Not once had anyone mentioned the window.
Here's what almost nobody tells you: between the year your W-2 income drops and the year Required Minimum Distributions begin, there is a door the IRS leaves open and then slams shut. A decade of unused low-bracket space. Your CPA files what already happened — they're not paid to plan what should happen over the next 10 years. Your custodian runs the conversions you call in — they're not paid to tell you what the number should be. Between those two jobs, there is a $50,000 to $150,000 hole where most retirees' money quietly falls through.
The math is simple but unforgiving. Each year in the window there is a narrow, specific amount you should convert from IRA to Roth — enough to fill up a low bracket without tripping the next IRMAA Medicare premium cliff. Off by $5,000 in either direction and you either overpay today or hand your heirs a much larger RMD tax bill later. A generic online calculator can't get this right. And every year you don't use is locked in — the 2026 window can only be used in 2026. 2027 will have its own window. You don't get to go back.
The Blueprint answers one question, in writing, with your numbers: "Exactly how much should I convert, in which years, to keep the money I'd otherwise lose?" Built by hand around your state of residence, your expected retirement income, and (if applicable) your spouse's situation. Delivered as a PDF that walks you through the logic year by year.
Is this actually for you?
- You're 55 to 72 and either retired, semi-retired, or about to be
- You have $250k or more in a traditional IRA, 401(k), or pre-tax retirement account
- You've thought about Roth conversions but nobody has ever given you a year-by-year number in writing
- You'd rather know the actual math than guess at it with a free online calculator
- You're already working with a fee-based CFP® who runs your Roth conversion schedule every year
- You have under $100k in tax-deferred accounts — the math is real but the dollars are small
- You need a full financial plan with insurance, estate, and college — the Blueprint only covers Roth conversion timing
- You'd rather pay $3,500 for a full comprehensive plan than $79 for a focused letter
What's actually in the envelope.
A traditional CFP® charges $1,500–$5,000 for a focused Roth planning engagement. The Blueprint is the same deliverable, priced at $79 because the engine is built once and run on your specific numbers.
What the next ten years look like, with the Blueprint in your hand.
At 62, you open the PDF and see the schedule: convert $48,000 this year. $51,000 next year. Adjust when Social Security starts. Stop at 73. Every number has a reason in the margin.
At 65, you call Fidelity on the morning of January 3rd and tell them the number. It takes nine minutes. Your CPA files Form 8606 in April and asks where the conversion came from. You send them this page.
At 73, your first RMD lands. It's a fraction of what it would have been. The IRS takes its cut and you don't feel it — because the tax on that money was paid years ago, in bracket space you would have otherwise left empty.
At 85, the Roth is still compounding tax-free. If there's money left, your kids inherit it without the 10-year RMD gauntlet SECURE 2.0 would have put them through on a traditional IRA.
That's the Blueprint's job. One PDF. A decade of decisions already made.
Here's how you don't lose on this.
1. We don't charge you until the Blueprint lands in your inbox. When you reserve, we authorize $79 on your card to hold the slot — no charge yet. The charge only posts when the finished PDF is emailed to you. If we decide the math doesn't favor conversions for your situation, we tell you that in writing and the hold falls off. You pay nothing.
2. If you let us implement it, the $79 refunds on the spot. If the Blueprint convinces you to let Fireweed execute the conversions and manage the broader picture, your $79 comes back the day your assets land at our custodian. The Blueprint effectively becomes free for anyone who hires us.
3. Your downside, in plain terms: an email address, a card authorization that may or may not post, and about 10 minutes of your time on the intake form. That's it. If we never deliver, you never pay. If we deliver and you don't like it, you keep the PDF and walk away for $79 — less than a dinner out, and you get to know exactly what you were going to lose.
Dr. Adam Link, CFP®
Managing Director, Fireweed Capital · IAR of Portfolio Medics, LLC
Adam holds a Doctorate in Computer Science and the CFP® designation, and works as an Investment Adviser Representative through Portfolio Medics, LLC (SEC-registered, CRD# 145958). Investment advisory services are provided through Portfolio Medics. Adam separately operates as an insurance agent through Fireweed Capital, a licensed insurance agency. Previously a decade in technology as an engineering leader. Serving retirees nationwide.
Common questions
You don't have to. Reserving only takes your email and card — a $79 hold, no charge yet. We collect the rest on the intake form after you reserve. If the intake feels wrong, you just close the tab and the hold falls off within a week.
No. It's a personal analysis focused on one question: how to schedule Roth conversions for your situation. A comprehensive plan covers a lot more (insurance, estate, college, etc.). Think of the Blueprint as a letter from a CFP® answering "what should I convert, when, and how much."
Yes. The Blueprint is self-contained. If you want to execute it yourself with your custodian, the PDF tells you how. If you later decide you'd rather we handle it, the $79 is refunded when your assets land at our custodian.
Almost certainly not. Tax preparation is filing what already happened. Tax planning is deciding what should happen over the next decade. Most CPAs do the first and not the second. Ask yours: "What's our multi-year Roth conversion schedule?" If they don't have one in writing, they aren't planning — they're preparing.
Because the free ones don't find your money. They ask five questions and spit out a generic answer. The Blueprint takes a few hours of actual CFP® work — bracket fill-up, IRMAA cliffs, your state, your pension, your Social Security timing. If what we find isn't worth more than $79 many times over, we'd rather tell you that in writing than sell you a subscription.
You don't — not until the Blueprint runs your numbers. The range is what we've seen for middle-income households with meaningful tax-deferred balances inside the window. Your number depends on your pension, Social Security start age, spouse's situation, and state of residence. The Blueprint projects yours with assumptions clearly labeled, under current law.
All fifty. The intake asks for your state so we can flag any state-specific items worth noting in your plan.
It's stored in our CRM and used only to build your Blueprint and follow up with you. We don't sell it and we don't share it. You can ask us to delete it at any time by emailing adam@fireweedcapital.com.
Before 2026 closes, let's find your number.
Under a minute to reserve — email and card, no charge yet. We build your Blueprint and email the PDF within three business days. You keep the plan regardless. If it convinces you to let us execute it, the $79 refunds on the spot.
Reminder: the 2026 tax year can only be used in 2026. On January 1st, a fresh year of low-bracket space opens — and last year's is gone. The sooner you know the numbers, the more of this year's window is still yours.
Adam Link is an Investment Adviser Representative of Portfolio Medics, LLC (SEC-registered, CRD# 145958). Investment advisory services are provided through Portfolio Medics. Fireweed Capital is a separate, non-affiliated insurance agency.
The Blueprint is provided for educational purposes and does not constitute personalized tax or legal advice.
Full SEC disclosures · Portfolio Medics Form ADV · Form CRS · FINRA BrokerCheck