(And the Window to Fix It Closes in 2026)
Most advisors tell you to "convert it all" or "wait and see." Both answers are wrong. Convert too much and you get pushed into a higher tax bracket. Convert too little and you leave money on the table. There's an exact number—and most advisors don't calculate it.
Giovanni Di Stadio is different. He's an independent advisor who runs a multi-year Roth conversion analysis—showing you exactly how much to convert, when to convert it, and how to keep every dollar you're legally allowed to keep.
In a free 30-minute call, he'll show you your exact Roth conversion number—not a guess.
Get Your Free Roth Conversion AnalysisGiovanni explains why most Roth conversions are done wrong—and what it's really costing you
⬇️ Then get your free Roth conversion number below
Get Your Exact Number — FreeNot a one-size-fits-all answer
Down to the dollar, not a guess
No company pushing commissions
You'll actually understand everything
Just honest help
"My advisor told me to convert everything at once. Giovanni ran the numbers and showed me that would've cost me an extra $38,000 in taxes. He built a 4-year plan that saves me thousands every year."
— Robert K., Age 63, Retired Engineer
"I didn't even know what a Roth conversion was. Giovanni explained it so simply that I understood it in 10 minutes. He showed me I was going to owe the IRS $24,000 more than I needed to. That's real money."
— Linda S., Age 59, Small Business Owner
"I was waiting to do my Roth conversion 'someday.' Giovanni showed me that waiting until 2026 would cost me over $50,000 more in taxes because the rates are going up. I'm so glad I didn't wait."
— James T., Age 65, Retired Teacher
What happens: Your advisor says "convert everything." So you move your entire IRA into a Roth in one year. Sounds smart, right?
The problem: That big conversion counts as income. It pushes you into a higher tax bracket. A $500,000 conversion could put you in the 35% or even 37% bracket—when you could've paid 22% or 24% by spreading it over several years.
The real cost: Converting $500,000 all at once can cost you $40,000 to $65,000 MORE in taxes than a properly planned multi-year conversion.
What Giovanni does: He calculates the exact amount to convert each year to keep you in the lowest bracket possible. Not a guess—an exact number based on your income, deductions, and tax situation.
What happens: Your advisor says "wait and see." So you do nothing. You wait another year. Then another. Then 2026 arrives.
The problem: The Tax Cuts and Jobs Act expires at the end of 2025. When it does, tax rates go UP across the board. The 22% bracket jumps to 25%. The 24% bracket jumps to 28%. Every dollar you didn't convert before then costs you more.
The real cost: On a $400,000 IRA, waiting until 2026 to start converting could cost you $30,000 to $50,000 more in lifetime taxes than starting now.
What Giovanni does: He runs a side-by-side comparison—your taxes if you convert NOW versus your taxes if you wait. When you see the numbers, the decision makes itself.
What happens: Your advisor converts a chunk of your IRA and only looks at the income tax. They forget about everything else that conversion triggers.
The problem: A Roth conversion increases your adjusted gross income. That can trigger higher Medicare premiums (IRMAA), make more of your Social Security taxable, affect your capital gains tax rate, and even impact your ACA health insurance subsidy if you're under 65.
The real cost: One couple converted $150,000 and their Medicare premiums jumped $6,000 per year for two years. Their advisor never warned them. That's $12,000 they didn't need to pay.
What Giovanni does: He looks at the FULL picture—income tax, Medicare, Social Security, capital gains, everything. He finds the conversion amount that minimizes your TOTAL tax burden, not just one piece of it.
Here's exactly what Giovanni will do in your 30-minute call:
How much to convert this year to stay in the lowest bracket possible
Side-by-side comparison of what you'll pay now versus what you'll pay after rates go up
Make sure a conversion won't spike your Medicare premiums or Social Security taxes
A year-by-year plan showing exactly how much to convert and when—not a one-time guess
3 specific things you can do right away (whether you hire him or not)
NO PRESSURE. NO SALES PITCH.
This call is just to help you understand your Roth conversion options. Giovanni won't try to sell you anything. If you learn something helpful and decide to work with him, great. If not, that's fine too. You'll walk away knowing your exact number either way.
| Most Advisors | vs. | Giovanni |
|---|---|---|
| "Convert it all" or "wait and see" | ←→ | Calculates your exact number |
| One-year snapshot | ←→ | Multi-year conversion roadmap |
| Only look at income tax | ←→ | Checks Medicare, Social Security, capital gains too |
| Ignore the 2026 tax rate increase | ←→ | Shows you 2025 vs 2026 side-by-side |
| Guess at the right amount | ←→ | Runs the math with your real numbers |
| Work for a big company | ←→ | Independent. Works for you only. |
A: No. Giovanni's job on this call is to show you your Roth conversion number. He won't try to sell you anything. If you want his help building a full multi-year plan afterward, great. If not, you'll still walk away knowing exactly where you stand.
A: That's fine. Think of this as a second opinion on your Roth strategy. You can share what you learn with your current advisor, or you can decide to make a change. It's up to you.
A: That's exactly who this call is for. Giovanni explains everything in plain English. No jargon, no confusing tax code. If you have an IRA or 401(k), this call will show you whether a Roth conversion makes sense and how much it could save you.
A: If you have $200,000 or more in traditional IRA or 401(k) accounts, a Roth conversion strategy could save you tens of thousands in lifetime taxes. The more you have, the more it matters—but the math works at any level.
A: The Tax Cuts and Jobs Act (TCJA) expires at the end of 2025. When it does, tax rates jump back up. The 22% bracket goes to 25%. The 24% bracket goes to 28%. Every dollar you convert BEFORE that happens gets taxed at today's lower rates. After that, the same conversion costs you more. That's why the next few months matter so much.
A: Giovanni believes everyone deserves to know their Roth conversion number before making a decision. Most people have never seen the math done properly. If the call helps you, that's his goal. If you want his help building a full plan, he's there for you. If not, you've still got your number.
Giovanni is taking only 30 new Roth conversion analyses this quarter.
📅 Current spots available: 7
⚠️ TAX RATES GO UP IN 2026 — EVERY MONTH YOU WAIT COSTS YOU
The TCJA expires at the end of 2025. Once tax rates jump, you can't go back. The sooner you know your number, the more time you have to convert at today's lower rates.
Get Your Free Roth Conversion AnalysisYou don't need to commit to anything. You just need to know how much to convert, when to do it, and what it'll cost you if you don't. That's what this call gives you.
Schedule Your 30-Minute Call NowFree. No pressure. No sales pitch. Just your number.