How to pass 2x more to your heirs

Different accounts are worth different amounts.

Traditional retirement accounts are taxed as ordinary income when withdrawn.

If your heirs are in their peak earning years, especially in high-tax states, that can mean losing 40–50% of the account to taxes.

But with Roth IRAs…
There are no taxes on withdrawals!

So if you pass down:

$5M in a traditional IRA
vs
$5M in a Roth IRA

Those are not equal inheritances.

Over time, the Roth can be worth significantly more, often approaching 2x, on an after-tax basis.

The question is:

How do you get money from pre-tax accounts into Roths… without getting crushed on taxes?

By integrating strategies that realize ordinary deductions alongside tax-efficient growth, you can convert IRA assets into a Roth IRA more efficiently over time.