Find out how much of your retirement truly belongs to you.
Let's find out if converting part of your retirement account could help you keep more of your money, reduce future tax surprises, and protect the retirement lifestyle you worked for. A free 2–3 minute look — then I'll personally review your numbers before we ever talk.
A million-dollar IRA is rarely worth a million dollars.
Here's what I tell every client at my kitchen table: every dollar in your traditional IRA, 401(k), or 403(b) has a silent partner you never agreed to — the IRS. They haven't asked for their share yet. They will.
Most retirees don't see that bill coming until Required Minimum Distributions kick in at 73, Medicare premiums quietly jump through IRMAA, and a surviving spouse is suddenly filing single. By then, your options have narrowed.
Roth dollars are different. Once your money crosses into a Roth, the IRS doesn't get a vote on it again — not for you, not for your spouse, not for the rest of your life. My job is to help you move money across that line on your terms, before the bill arrives.
For many retirees, a meaningful share of a traditional IRA may go to taxes over a lifetime. The right plan keeps more on your side of the scale.
The right strategy depends on what you've already saved.
I work two specialized paths with my clients. Your answers in the analysis tell us which one actually fits your life — and which one is worth your time on our call.
Roth Conversion Planning
Move pre-tax dollars into Roth accounts on your terms — so your savings grow, and spend, tax-free for the rest of your life and your spouse's.
- Keep more of your lifetime wealth — Roth dollars the IRS can never tax again
- Convert without jumping into a higher tax bracket
- Without reducing the income you actually live on
- Without writing a check — the tax is paid from the account itself
- Soften RMDs at 73 and sidestep Medicare IRMAA surprises
- Leave more to your family, lose less to the IRS
Guaranteed Retirement Income
Build income that lasts as long as you do — with inflation protection and long-term-care support built in from day one.
- A paycheck you cannot outlive — guaranteed for life
- Payments that keep up with inflation
- Up to a 20–30% account bonus on certain plans
- Doubled income if you ever need long-term care
- Less fear at the kitchen table. More predictable months.
Six concerns that quietly cost retirees the most.
You spent decades building this. The threats to it are almost never the ones making headlines — they're the quiet ones no one warned you about. These are the six I sit with clients on, week after week.
Future taxes
Tax rates are at historic lows. Most retirees will pay more, not less, on every dollar they withdraw later.
Required Minimum Distributions
At 73, the IRS starts telling you how much to withdraw — and that forced income often shoves clients into a higher bracket than they ever planned for.
Medicare / IRMAA surcharges
One dollar over an IRMAA line can quietly cost you thousands a year in Medicare premiums. Most retirees never see it coming.
Market risk near retirement
A bad year in the wrong decade can reset everything. Sequence-of-returns risk doesn't show up in account statements.
Outliving your savings
Most retirees fear running out of money more than they fear dying. A plan should remove that fear.
Legacy for your children
Inherited IRAs now have to be emptied within 10 years. Without a plan, what you leave behind becomes a tax bill your children inherit too.
Four steps. No pressure. Real answers.
A quiet 2–3 minutes. One question at a time, no pressure.
Every analysis comes across my desk before we ever talk.
A plain-language conversation — no jargon, no sales pitch.
A written plan you can hold, keep, and share with anyone.
Run your numbers
A quiet 2–3 minutes. One question at a time, no pressure.
I review yours personally
Every analysis comes across my desk before we ever talk.
We sit down 1:1
A plain-language conversation — no jargon, no sales pitch.
Your Roth Blueprint
A written plan you can hold, keep, and share with anyone.
A real plan — not a pitch.
Whether or not we ever work together, you walk away with everything below in writing. Take it to your current advisor, your CPA, or just sleep a little easier tonight.
No cost · No obligation · No high-pressure sales
Lifetime tax projection
What your taxes actually look like over the next 20–30 years — RMDs, survivor years, IRMAA tiers, all of it on one page.
Multi-year Roth schedule
Exactly how much to convert, and in which years, so you never accidentally jump a tax bracket along the way.
Bracket & IRMAA safety map
I test every tax bracket and Medicare IRMAA tier, year by year, so the plan never quietly bumps your premiums.
Retirement income plan
Where your monthly income actually comes from in retirement, in what order, and how it's protected from a bad market year.
Your personalized Roth Blueprint
Your full plan, in plain language. Yours to keep — whether you work with me or not.
Honest second opinion
If a conversion doesn't make sense for you, I'll tell you. Plenty of already-good plans don't need to change.
Nicole Connors.
Founder · Connors Wealth Services
Nicole spent two decades managing capital for investors and large institutions before she ever sat across from a retiree. What she found inside that world surprised her: people who had done everything right — saved diligently, lived modestly, played by the rules — were quietly losing hundreds of thousands of dollars to taxes nobody had ever modeled for them.
She founded Connors Wealth Services to fix that. Not with jargon, not with pressure — with plain language, real numbers, and a written plan you can hold in your hand.
Today, from Spokane, Washington, Nicole works one-on-one with retirees and pre-retirees across nearly 30 states. Every analysis crosses her desk. Every call is with her.
"I don't want anyone going back to work at 80 because their retirement money ran out — or losing a third of it to a tax bill we could have planned around."
The people we built it for.
Nicole walked us through what our IRA was actually going to cost us in taxes over our lifetime. We had no idea. The plan she built gave us back twenty years of peace of mind.
I went in expecting a sales pitch. I left with a written plan, a real conversion schedule, and the calm I haven't had in years. Different from anyone I've talked to.
We didn't have a million dollars. We had a hundred and eighty thousand. She still treated us like the most important call of her day — and built us guaranteed income we cannot outlive.
Let's Run your Numbers.
Twelve questions, a clearer path to lifetime wealth.
Let's run the numbers on your retirement.
12 quick questions. About 2–3 minutes. We'll run your numbers as you go — nothing to install, nothing to download.
Answer a few simple questions about your savings, income, and Social Security. We'll run the numbers on your situation and show you whether a Roth Conversion strategy or a Guaranteed Income plan is the better fit for the retirement you want.
- Private — your numbers stay yours. Encrypted and never sold.
- Personal — every analysis is reviewed by Nicole Connors before your call.
- Free — no obligation, no pressure. Just the numbers.
The questions retirees actually ask us.
A Roth Conversion moves money from a traditional, pre-tax retirement account into a Roth. You pay tax on the dollars you convert in that year — but from then on, the IRS doesn't get a vote on that money again. It grows tax-free, and you and your spouse can spend it tax-free for the rest of your lives.
No — and that's the part most people don't realize. The tax on the conversion can be paid right from the account itself, so the income you actually live on doesn't drop. I design the Blueprint so converting never costs you out of pocket.
The converted dollars are taxable in the year you convert them. My whole job with your Blueprint is to pay tax strategically now — often at much lower rates than you'd ever pay later — so you avoid much bigger taxes, RMDs, and Medicare surcharges down the road. I model every year so we never accidentally jump a bracket or an IRMAA tier.
Yes. Your personalized Roth Blueprint and our follow-up call are on me — no cost, no obligation to work with me afterward. The Blueprint is yours to keep either way.
Most advisors focus on growth — picking investments and managing the portfolio. I focus on the tax side of retirement, which is rarely anyone's primary lane. I work alongside existing advisors all the time. Think of this as a second set of eyes on the part of your plan no one else is watching.
You're not out of options. A full Roth Conversion plan may not be the right first move for you, but Guaranteed Retirement Income planning very likely is. We'll point you down that path and focus on making your savings last.
Some of the highest-impact work I do is for clients in the first 5–10 years of retirement, before Required Minimum Distributions begin. It's rarely too late.
Roth Conversion planning is a tax strategy, not a market strategy. But the Guaranteed Income side of my work is built specifically to take market risk off the income you actually live on. I'll walk you through both.
Your answers stay private. They're transmitted securely and used only to prepare your personal Blueprint — never sold, never shared. I ask for phone and email so I can confirm our call and send your Blueprint; bogus emails have unfortunately become a real problem in this industry.
Run your numbers in 2–3 minutes.
See exactly where you stand on taxes, income, and the path that actually fits your life. Free, private, and I read every analysis myself before we talk. No obligation, no pressure — just an honest look at your numbers.
Educational content only — not tax, legal, or investment advice. Figures shown are hypothetical illustrations; individual results vary. Read the full Educational Disclaimer.