About Secure Retirement Planner

Secure Retirement Planner publishes free, plain-English guides for people in their late 50s, 60s and 70s who are deciding whether to move money from a traditional IRA or 401(k) into a Roth IRA. We cover the tax rules, required minimum distributions, Medicare premiums, Social Security, state taxes and the role annuities can play.

We write for readers who want straight answers. Every page answers its question in the first two sentences, uses the current year's IRS, Medicare and Social Security figures, and lists its sources with the date we checked them. We have 53 guides and three free calculators so far.

How the site is paid for

The guides and calculators are free. The site is paid for by people who ask for a free personalized estimate. When you fill out that form, your answers go to a licensed financial or insurance professional who prepares the estimate and contacts you. If you later choose to buy an insurance product such as an annuity through them, they may earn a commission, and we may be paid for the referral.

That's why we explain the downsides of every strategy, including when a Roth conversion or an annuity is a poor fit. A guide that only sells isn't useful to you, and it isn't useful to us either. Read our full disclosures.

What we are not

We are not a tax preparer, law firm or government agency, and nothing on this site is personal tax, legal or investment advice. Tax law changes. Before you convert, talk with a tax professional who knows your whole situation.

How we keep it accurate

Numbers come from primary sources: IRS publications and revenue procedures, CMS and Medicare.gov, the Social Security Administration and state revenue departments. We re-check prices and limits when new figures are published each year and note the date on every page. Read how we research and fact-check.

Contact us

Found something wrong or out of date? We want to know. Use the contact form and mention the page.