Discounted Roth Conversions: Illiquid Assets for Tax-Free Growth

Discounted Roth Conversions: Using Illiquid Assets for Long-Term Tax-Free Growth

Discounted Roth conversions have become a growing topic among retirement investors seeking ways to maximize long-term, tax-free growth. A discounted Roth conversion occurs when assets are transferred from a traditional IRA to a Roth IRA at a reduced fair market value, potentially allowing investors to pay taxes on a lower amount while preserving future upside potential.

Topics:

How discounted Roth conversions work

Why ground-up construction projects qualify for discounted valuations

Examples of how assets are valued and who performs the valuations

Types of discounts Ross Curtis has seen in motion

Important considerations investors must know

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convert your ira at a discount

Imagine a savings strategy that allows you to pay significantly less in taxes now, while letting your investments grow completely tax-free for life. By leveraging unique opportunities in real estate development, you can convert your Traditional IRA to a Roth IRA at a reduced valuation.

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An “accredited investor” is a category of person permitted to participate in certain unregistered securities offerings. A simple way to think of the line-drawing exercise the SEC is engaged in here is that the more capable an investor is of fending for him/herself in an offering, and the more able an investor of withstanding a complete loss on the investment, the less the SEC is concerned about mandating the obligations of a public reporting company on an issuer.

For natural persons, an “accredited investor” is anyone who has either: (1) earned income that exceeded $200,000 (or $300,000 together with a spouse) in each of the prior two years, and reasonably expects the same for the current year, or (2) a net worth of over $1 million, either alone or together with a spouse (excluding the value of the person’s primary residence). There are other exemptions based on financial sophistication, but these thresholds are the most generic in terms of determining accreditation status.

For entities, there are a number of tests to determine whether the entity in question is accredited. For the most part, if the entity has over $5 million in total assets or all of the owners of the entity are accredited, then the entity will be deemed to be accredited.

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BV Capital with Advanta IRA: Convert Your IRA at a Discount

Discounted Roth Conversions: Using Illiquid Assets for Long-Term Tax-Free Growth

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convert your ira at a discount

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BV Capital with Advanta IRA: Convert Your IRA at a Discount

Discounted Roth Conversions: Using Illiquid Assets for Long-Term Tax-Free Growth

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convert your ira at a discount

Subscribe to our educational newsletter and get priority notification of our next offering.

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and get priority notification of our next offering.