Speed + Credibility
2-minute report generation. Client-facing design. Large fonts, clear charts, plain language. No tax return needed. Clients can quickly see the benefit and take action.
Software
Roth Done Right
Deliver next-level Roth analysis to your clients. Minimize taxes and IRMAA. Maximize lifetime savings. All in a simple, powerful report you can run in under 2 minutes - no tax return needed.
Request Your Sample Report
With Roth Done Right You Can…
Analyze conversion timing, tax impact, Medicare surcharge implications, and more. Everything you need to maximize your client’s conversion..
Roth Done Right reports include
Conversion Timing Analysis
Year-by-year conversion scenarios to optimize tax savings
Tax Analysis
Taxes paid during conversion vs. saved in retirement
IRMAA Surcharge Impact
Ways to reduce Medicare surcharges over their lifetime
RMDs & Planned Income
Total tax savings for the ways they plan to access their funds
Break-Even Report
After-tax account value in each scenario
No Tax Return Needed
Quick analysis to start the conversation
Why
Advisors Choose
Roth Done Right
This is the tool that gets prospects to say "I want YOUR help with my Roth Conversion."
Complete Analysis
Taxes. IRMAA. OBBBA deductions. Run the report however you like to do business - using bonus annuities, life insurance, and Roth AUM.
The Roth Opportunity is Bigger Than Ever
Rising tax concerns, OBBBA changes, and the national debt have clients wondering about Roth conversions. Your clients are searching for help: "Roth conversion rules 2026" gets 4,100+ searches per month. Advisors who can show clients a clear path forward will win their business. That’s what Stonewood created Roth Done Right to do.
Real Advisors. Real Results.
See how advisors are using Stonewood software to win larger cases and deliver better outcomes for their clients.
An advisor was working with a prospect who was a real "do-it-yourselfer" when it came to Roth conversions. The client was converting assets up their existing tax bracket – and hadn't considered any impact to IRMAA.
With Roth Done Right, the advisor was able to show an alternate pattern that sped up the conversion to 6 years. The new structure offered $30,000 savings in conversion taxes – a 20% reduction on the prospect's conversion tax bill. The report also showed hundreds of thousands of dollars in long-term tax and IRMAA savings from the converted assets – an amount the prospect hadn't been able to quantify on his own.
Outcome
A new client with $1M in new AUM, and a $1M FIA sale to fund the conversion process.
An advisor was working with a prospect who already had assets with Ken Fisher. Fisher's team presented a 5% systematic withdrawal projection, so the advisor needed a stronger way to frame the income conversation.
Using the Annuity Alpha report, the advisor showed how an annuity could deliver over 8% in annual cash flow with lifetime income, plus a long-term care doubler. The contrast was clear enough that the prospect moved forward.
Outcome
$1.5M placed and a $100K in new business revenue.
An advisor was working with a 58-year-old couple with an established, well-funded retirement income plan, leaving an additional $3M IRA to build out a legacy for the kids. The couple's existing advisor had no real additional plan for this money, other than to keep it in their managed account and grow that money as much as possible for the kids.
Using the Legacy Done Right report, the advisor showed the need for tax planning on this $3M IRA. According to the advisor, the simple analysis "opened up the wallet" to the Roth conversion story. The advisor then used the blended Roth/Life feature in the report to show a blend of Roth Conversion assets with some Life Insurance to help maximize the client’s legacy.
Outcome
$3M in motion. The advisor picked up a $1.5M FIA sale that will be converted to Roth. And the advisor also sold a 5-Pay Protection focused IUL policy at $225,000 of premium per year.
An advisor group incorporated the Total Tax Burden report into the strategy presentation for all new prospects. They ran the tax snapshot for every new client as part of their first meeting conversation, quantifying the growing tax burden of IRA money – and illustrating the kinds of tax savings possible when working with their firm.
Starting in January of 2023, this simple analysis was presented to every single prospect who walked in the door. The goal was to differentiate their practice and drive overall revenue growth through various Roth conversion strategies.
Outcome
From 2022 to 2025, new annual AUM rose from $5M to $50M. Annual FIA sales rose from $3M to $35M. And annual life premium rose from $50K to $1M.
How Advisors Use Roth Done Right
Prospect Meetings
Deliver an analysis unlike anything your prospect has seen. Nothing builds credibility faster than personalized data and a clear path forward.
Client Meetings
Open the tax conversation with annuity and AUM clients to increase wallet-share and deliver value.
Centers of Influence Marketing
Share the report with CPAs and tax attorneys to increase referrals and build confidence in your practice’s approach.
Pricing &
Getting Started
Roth Done Right is available exclusively through Stonewood’s Premium+ Membership ($329/mo). Membership includes team licenses, coordinated marketing tools, 1:1 coaching, and both live and on-demand training.
Premium+
All Access
$329 /mo
or $3,200/year SAVE 20%
Roth Done Right Software
Legacy Done Right Software
Annuity Alpha Software
Total Tax Burden Software
Retirement Tax Bill Lead Gen
All Marketing Toolkits
All Training Libraries & Resources
Access to Stonewood's complete suite of tools & software
*Monthly pricing includes a one-time set-up fee of $329
Frequently Asked Questions
Does Roth Done Right analyze both taxes and IRMAA? −
Yes. The report will analyze taxes and IRMAA – both during conversion and throughout the saver’s lifetime.
Does Roth Done Right accommodate different conversion structures? +
Yes. The software allows you to model conversions over a one to ten year timeframe, and can be used with Bonus Annuities, life insurance and other Roth conversion structures.
Can I add my own disclosure to the report? +
Yes. The report is customizable with your practice’s information, logo, and any compliance and disclosure language you need.
Roth Conversion Software for Financial Advisors
Roth Done Right is the client-facing Roth conversion software advisors use to turn a complex tax question into a clear, easy-to-understand client analysis. Model conversion timing, taxes, breakeven, and Medicare IRMAA in one simple report you can run in under two minutes. No tax return needed.
This is the report that gets a prospect to say, “I want your help with my Roth conversion.”
Built for your side of the table, not the back office
You sit down with a prospect who has saved in a traditional IRA. They are 58. They have heard about Roth conversions, but they do not understand the real math. They do not know what a conversion does to their tax bill today, and they have never heard the term IRMAA.
Most Roth conversion software was built for the back office. It is dense, it is slow, and it is designed for you to read, not for your client to see. By the time you have wrestled the output into something a saver can follow, the moment has passed.
Roth Done Right was built for the other side of the table. It is easy to run and easy for your client to understand – , and the conversation moves from “maybe someday” to “let’s do this.” That is the difference between an analyzer spreadsheet and a closing tool.
What this Roth conversion software shows your client
Running the numbers is only half the job. The other half is making those numbers meaningful to a client. Roth Done Right is designed to do both at once.
Conversion timing analysis
Model year-by-year conversion scenarios so you can show a client how spreading conversions over several years can change their lifetime tax picture. The software lets you compare staged approaches side by side.
Tax analysis: Paid now vs. potentially saved later
The right comparison is not a $100,000 traditional IRA against a $100,000 Roth as if they were equal. A traditional IRA balance is still owed to the IRS; the Roth, in most cases, is not. Roth Done Right frames the trade-off the way it should be framed: tax paid today at a known rate versus tax potentially owed later at an assumed rate. The final analysis compares apples to apples: Total after-tax wealth the strategy can potentially generate.
IRMAA surcharge impact
Roth Done Right helps you model IRMAA surcharge exposure based on the conversion. It analyzes potentially IRMAA paid during the conversion, and potential IRMAA saved throughout retirement – so a client can see the numbers and make an informed decision.
RMDs and planned income
Show how the way a client plans to access their funds, including required minimum distributions in their early 70s, changes the total tax they may pay over a lifetime. The report connects today’s conversion decision to the income picture down the road.
Break-even and after-tax account value
Every scenario is compared on after-tax account value, so a client sees the apples-to-apples picture rather than a misleading gross balance. The break-even view answers the question savers actually ask: when does this start working in my favor?
No tax return needed
You do not need a client to dig up last year’s 1040 to start the conversation. A short set of inputs produces a full analysis, which means you can run it in a first meeting instead of waiting for a follow-up.
How it works: a full Roth analysis in under two minutes
Roth Done Right is client-facing Roth conversion software for financial advisors. You enter a short set of client inputs, and the software produces a clear report modeling conversion timing, taxes, IRMAA surcharges, RMDs, and after-tax account value. No tax return is required, and most reports run in under two minutes.
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Enter the basics. Age, IRA balance, income, and how the client plans to access their funds. No tax return required.
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Pick the scenarios. Compare a do-it-yourself approach against one or more staged conversion patterns.
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Run the report. In about two minutes you have a client-facing analysis with large fonts, clear charts, and plain language.
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Have the conversation. Walk the client through taxes paid now, potential taxes and IRMAA saved later, and the after-tax result of each path.
What it looks like in a real case
An advisor was working with a prospect who was a true do-it-yourselfer on Roth conversions. The client was converting assets up his existing tax bracket and had not considered any impact to IRMAA at all.
Using Roth Done Right, the advisor showed an alternate pattern that sped up the conversion to six years. The new structure reflected roughly $30,000 in conversion-tax savings, about a 20 percent reduction on the prospect’s conversion tax bill, and the report also surfaced long-term tax and IRMAA savings the prospect had never been able to quantify on his own.
The outcome: A new client relationship with $1M in new assets under management, plus a $1M annuity sale to help fund the conversion process. The math opened the door for the conversation; the relationship followed.
Results vary by advisor and client situation. This is one advisor’s experience, shared for illustration, and not a promise of similar outcomes.
“Roth Done Right has been our missing piece. It’s become a strategic part of driving more appointments to our offices through our seminars.” – Connie, Stonewood member
Roth Done Right is part of a software suite that has run more than 114,000 client reports for over 8,000 advisors.
Why the Roth conversation matters right now
After the One Big Beautiful Bill Act was signed in July 2025, today’s lower federal tax rates became permanent under current law, meaning there is no scheduled sunset on the calendar.
Permanent does not mean forever. It means the rates will not automatically expire. Congress can still vote to change them, and given the country’s long-term revenue needs, future increases remain possible even though none are scheduled today.
That is what makes the conversation timely. The case for converting no longer rests on a ticking deadline. It rests on something more durable: today’s known, stable rates compared against a client’s own future bracket, which can climb on its own as required minimum distributions begin, as Social Security turns on, and as a surviving spouse moves from joint to single filing rates, an effect sometimes called the widow’s penalty.
Clients feel this. Searches for “Roth conversion rules 2026” run into the thousands every month. The advisors who can show a clear, credible path forward are the ones who earn the business.
We’re not an IMO. That’s the point.
Stonewood is a software and marketing platform that can be used by advisors at any IMO.Roth Done Right works with any carrier, through any IMO, on your terms.
That independence is the whole idea. The report is yours to run however you do business, whether the conversion is funded with a managed account, an annuity, or life insurance. The strategy stays the client’s; the tool just makes it visible.
A note on tax advice
Here at Stonewood we are not CPAs, and Roth Done Right does not give tax or investment advice. We build analysis tools that help advisors model the potential tax consequences and tax savings of strategies like Roth conversions, so you can have a more informed conversation. Specific tax decisions should run through the client’s qualified tax professional.
Roth Done Right vs. a back-office tax analysis spreadsheets
Plenty of software can calculate a conversion. Far less of it was built to be shown to the person sitting across from you.
| Capability | Roth Done Right | Typical back-office analysis spreadsheet |
|---|---|---|
| Designed to show a client | Yes. Large fonts, clear charts, plain language | Built for the advisor to read |
| Tax return required | No | Often yes |
| IRMAA surcharge modeling | Included | Sometimes separate or absent |
| After-tax, apples-to-apples view | Built in | Varies |
| Time to run | Under 2 minutes | Varies, often longer |
| Tied to product distribution | No | Varies |
How to get Roth Done Right
Roth Done Right is included in Stonewood’s Premium+ Membership, which also includes Legacy Done Right, Annuity Alpha, Total Tax Burden, the Retirement Tax Bill lead-gen program, and every marketing toolkit and training library. Premium+ is $329 per month, or $3,200 per year, with a one-time $329 setup fee. Every membership includes licenses for your entire team.
Most advisors want to see the report before they decide. That is exactly how we recommend starting: request a sample report, see the analysis on a real scenario, then book a short demo to watch it run live.
Frequently asked questions
Roth conversion software for advisors is a tool that models the tax and income impact of converting traditional IRA dollars to a Roth. Roth Done Right is client-facing software that shows conversion timing, taxes, IRMAA surcharges, RMDs, and after-tax value in a report an advisor can run live in under two minutes.
No. Roth Done Right is built to start the conversation without a tax return. A short set of inputs, including age, IRA balance, income, and how the client plans to access their funds, is enough to produce a full client-facing analysis, so you can run it in a first meeting.
Yes. Because a Roth conversion raises income, it can affect Medicare surcharges two years later. For 2026, IRMAA surcharges begin at $109,000 of modified adjusted gross income for single filers and $218,000 for married couples filing jointly, per CMS. The report helps you model that exposure as well as the long-term IRMAA savings the conversion could generate.
It can, for some savers, when the analysis is measured over a lifetime rather than a single year. Whether it makes sense depends on the individual situation, which is exactly what Roth Done Right is designed to help you evaluate. Specific tax decisions should run through the client’s qualified tax professional.
Most tax analysis spreadsheets are built for the advisor to read. Roth Done Right is built to be shown to a client, with large fonts, clear charts, and plain language, and it runs in about two minutes without a tax return. It is a conversation tool first and a calculator second.
Roth Done Right is included in Stonewood’s Premium+ Membership at $329 per month, or $3,200 per year, plus a one-time $329 setup fee. Every membership includes licenses for your whole team, along with the rest of the Stonewood software suite and training.
No. Stonewood is a software and marketing platform that can be used by advisors at any IMO. We do not distribute products, participate in commission, or push you toward one carrier over another. Roth Done Right works with any carrier, through any IMO, on your terms.
See the report that closes the case
The fastest way to understand Roth Done Right is to see a real scenario. Request a sample report, then schedule a short demo and watch it run live in under two minutes.