Most people with $500K–$2M in pre-tax retirement accounts will pay more in taxes than they expect — and never know it until it's too late to act.
I help them find out whether a Roth conversion makes sense, what it costs, and how to use their own account's income to pay for it.
Book Your Free Roth Session30 minutes · No cost · No obligation
For the first time I actually understood what my IRA was going to cost in taxes — and what I could do about it. Jesse showed me the whole picture on screen.
My previous advisor never once brought up Roth conversion. Jesse explained the window I was sitting in and why the timing matters more than most people realize.
He built the entire plan during our Zoom — I could see every number and every year. I left the call knowing exactly what I was looking at for the first time.
Client experiences reflect individual planning process only. Results vary and are not guaranteed.
Your retirement accounts may be carrying a tax liability most advisors never bring up.
Once required minimum distributions begin, the IRS sets your withdrawal schedule — not you. The taxable amount increases annually regardless of whether you need the income.
A $1M IRA is not $1M. Federal and state taxes apply to every withdrawal, every year, for the rest of your life.
With the current tax structure in place, the window between now and your RMD start date may be the most favorable conversion environment you'll have. Most people let it close unused.
Tax law has changed before and will change again. Every dollar left in a pre-tax account is exposed to whatever rate Congress sets in the future. Converting now transfers that risk off the table.
A surviving spouse files as single — often pushing the same retirement income into a higher bracket overnight. Converting before that life change happens is one of the most overlooked planning opportunities there is.
Three steps from your first conversation to a fully funded Roth.
Answer a few quick questions about your retirement accounts, income, and timeline. We'll show you a snapshot of your Roth conversion picture — at no cost and no obligation.
Start NowSpend 30 minutes on Zoom with Jesse. He'll review your snapshot, answer your questions, and show you whether a conversion strategy makes sense for your specific situation.
Book a SessionIf conversion makes sense, we build your full roadmap using JBF Roth Planning (RP) — showing exactly how much to convert, in which years, and how the JBF Convert Engine is designed to fund the tax from inside your account.
Designed to pay your conversion tax from inside your retirement account — completely tax-free.
Most people assume a Roth conversion means writing a large check to the IRS out of pocket. It doesn't have to. The JBF Convert Engine is a portfolio strategy that generates monthly distributions from inside your Roth account — and because those distributions come out of your Roth, they're completely tax-free. You're using tax-free money to pay a tax bill. That's the engine.
Beating the tax man at their own game.
Once your first conversion is complete, the distributions that pay next year's conversion tax come out of your Roth account — completely tax-free. You're using tax-free money to pay a tax bill. The IRS gets paid. You keep everything else — and it grows tax-free from that point forward. The IRS helped fund their own payment. That's the JBF Convert Engine.
Held inside your Roth account and selected for their distribution frequency and consistency — generating income every month of the conversion year.
By December of each conversion year, distributions are intended to cover the tax due — paid entirely from your Roth, with no out-of-pocket cost to you.
All assets are held in separately managed accounts with full transparency. You see every holding, every distribution, and every transaction.
The JBF Convert Engine is a portfolio management strategy, not a guaranteed income product. Distributions are not guaranteed and may vary based on market conditions. This is not a promise of specific results. All investing involves risk including possible loss of principal. Tax treatment of Roth distributions depends on individual circumstances — consult a qualified tax professional.
I run J Bradin Financial, a state-registered investment advisory firm in Cary, NC. I work with people who have built substantial pre-tax retirement savings and want to understand what those accounts are actually going to cost them in taxes — and what they can do about it before it's too late to act.
I do one thing exceptionally well: Roth conversion planning paired with managed retirement income. I'm not a generalist. I don't sell insurance products or run a large practice. I take on a focused number of clients and build each plan personally.
As a fiduciary, I'm legally required to act in your interest — not my firm's, not a product company's. Every recommendation I make is built around your specific tax picture, timeline, and goals.
Built on institutional-grade infrastructure.
The platforms we use to custody your assets, model your plan, and manage your risk.
Your assets are held at Altruist, an SEC-registered broker-dealer and custodian. Full transparency through a separately managed account — you see every holding and every transaction.
We use Nitrogen to quantify your risk tolerance and stress-test your portfolio against real market scenarios — so your plan is built around a risk level you can actually stay with.
Our proprietary planning tool models your full Roth conversion picture — year by year, tax bracket by tax bracket — so you can see exactly what a multi-year strategy looks like before committing to anything.
Find out what your retirement accounts are actually going to cost you in taxes.
Book a free Roth session. Jesse will show you your personalized tax picture on screen — no pitch, just a real plan.
Book Your Free Roth SessionOr start with your 5 Minute Roth Plan at 5minuteroth.com
