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

A Good Deal Can Still Be a Bad Investment

Episode Summary:

Ross Curtis has spent more than 30 years in financial services and now serves as President of BV Capital. In this episode, he shares a perspective shaped by decades in capital markets, advisor relationships, and investor communication.

He shares what he’s learned from capital raising and why he believes a deal can look strong on paper and still be the wrong investment if it does not fit the investor.

In this episode, Ross and Joe discuss:

• Why deal fit matters as much as deal quality
• How advisor experience shaped his investor approach
• Why smaller allocations can protect investors
• What strong post-investment communication looks like
• Why education matters more than marketing language