If you have a $5M+ IRA, standard Roth conversion planning doesn’t apply to you.

In this video, I walk through a different framework for large pre-tax balances:

1. Shrink the income that actually shows up on the Roth conversion by utilizing lack of marketability/control discounts of ~ 30%.
2. Pair the conversions with deductions from tax-aware investments and/or charitable structures.

If you’re sitting on a multi-million dollar IRA/401(k) and want to get money into Roth with less lifetime tax, this will be more useful than the usual generic Roth conversion advice.