Roth Mastery for Advisors Who Want to Do the Right Thing for Their Clients…

A New Way to Conduct a Roth Analysis for Your Clients That Is Sure to Leave Them and You Satisfied With Your 2010 Approach…

Dear Advisor:

The reason I'm writing you is that I don't want you caught off-guard this fall when the final Roth Conversion Tsunami hits.

The mainstream media and the financial press are gearing up for even more Roth coverage this fall.

And their story line is going to change. Now Roth conversions will start to be discussed in the context of the current debates about deficits, likely increased tax rates and what is needed to right the economic ship of state.

Elaine Floyd, CFP®

When you couple the new media narrative about Roth with the fact that some top clients have finally finished paying their 2009 taxes, you're going to hear clients start questioning—or re-questioning—whether you've got them doing the right thing on Roth.

Without a doubt, the topic of Roth Conversions is probably one of the more perplexing advisor issues you've encountered in your career advising clients on their investments and retirement plans.

First, there's so much enthusiasm for the concept from industry product providers that you've just got to add a dollop of skepticism to whatever they serve you.

Veterans have seen this sort of thing before and it doesn't always end up pretty.

Second, the idea of asking clients to pony up money to pay more taxes now runs completely counter to the "defer taxes as long as possible" mantra, which has been the underpinning logic of so much qualified retirement money advice.

So now you're being asked to sing a different tune.

Third, the rush to convince advisors to convince their clients to do Roth conversions is presented as a relatively straightforward "Roth Conversion Calculator" analysis.

But these calculators have any variety of flaws in them. Many of you have already pointed out that the results of the analysis are completely tied to a wide range of completely unknowable assumptions you have to make about your clients' future.

It's the complete opposite of being straightforward.

Those are just a few troubling aspects of the entire Roth Conversion issue. I won't add anymore for now. But I will ask…


I know you've heard a lot about Roth in the last six months. But I'd like to ask you to read just a little more…

Conduct the Best Roth Analysis

I want to let you know about a special program we're extending to all financial advisors that addresses the Roth Conversion topic. It's called the Roth Mastery Study Group and it's an ongoing, online workshop designed to help you get the Roth expertise you really need to do the best job possible for your clients.

It's running now through the end of the year and Elaine Floyd, CFP®, Horsesmouth's Director of Retirement and Life Planning, will be leading this program.

The chief goal of this program is to provide you and your colleagues with a clear, useful approach to analyzing the Roth potential that might exist for each of your clients, and then help guide you through the process.

You see, the program doesn't bring an "ALL MUST CONVERT" perspective to the Roth issue. That's too easy. And, unfortunately, Roth is not an easy subject—for advisors or for clients.

From our perspective, the big opportunity for advisors around Roth is leadership. Here's a very important, complex, time-sensitive issue that all your top clients should be giving serious consideration. Plus, it has significant investment, tax and estate planning ramifications…

So let me tell you why you should seriously consider joining the Roth Mastery Study Group right away…  

As Horsesmouth's Director of Retirement and Life Planning, Elaine Floyd recently completed a penetrating analysis of the Roth issue in her report "Roth Conundrum Cracked."

Here's an excerpt from Elaine's study:

The real question of the Roth conundrum centers around this point: If you're going to analyze the numerical results of a conversion, you have to make certain assumptions, but some of these assumptions are unknowable. For example, you have to enter specific values for:

• The client's future tax bracket,
• The timing and amount of distribution,
• The life expectancy of the client and beneficiary, and
• The rate of return on invested assets.

All the number crunching in the world won't give you an accurate answer if your assumptions are wrong. But inaction equals action. With Roth conversions now available to everyone, you have to determine for each client whether or not a conversion is appropriate. If you opt not to do the conversion for a particular client, it should be because you've found a reason not to, not because you didn't fully address the question.

Elaine goes on to suggest that rather than using a calculator-only analysis, instead we assume that everybody needs a source of tax-free income in retirement. It just makes sense, and here are the reasons why:

CLIENT REASON #1: Tax Diversification: When you have a variety of accounts from which to draw retirement income, taxable, tax deferred and tax free, you have much more flexibility in arranging your taxable income. We can't know for sure what tax rates will be in the future, but if they do go higher, a Roth conversion done now will hedge against that possibility. Most clients understand investment diversification; you can use that same concept to explain tax diversification.

CLIENT REASON #2: Lock-In Today's Tax Rate: Another way to look at it is that you're locking in a rate on the converted amount. It might be 28% or 35%, if the client is in the top tax bracket. Once you lock in that tax rate on those assets your client never needs to worry about how much tax they'll pay. It'll be zero.

CLIENT REASON #3: Tax Flexibility: Another reason Roth IRAs are universally appealing is that they provide tax flexibility throughout retirement. You can literally design your client's 1040. Rather than taking big RMDs at the end of the year, you can work to keep income below the next bracket. Each year, depending on investment income or other income, your client can draw from the appropriate account to make taxes come out the way he wants.

Tax flexibility is especially important for clients who are receiving Social Security or are on Medicare. By reducing their taxable income they may be able to reduce taxes on their Social Security benefits and lower their Part B premium. Of course, the conversion itself may cause a bump in these taxes and premiums, so you'll have to plan for that. For clients who haven't started receiving Social Security yet, converting now might be a very wise move.

CLIENT REASON #4: The Future of Tax Legislation: As the nation struggles with high deficits, watch for more tax surcharges to be imposed. We've recently seen the new health reform law add a 3.8% Medicare tax on unearned income starting 2013 for high income households. To save on this and other potential tax hikes, it just makes sense to have a source of tax-free income alongside your taxable and tax-deferred accounts.

Conduct the Best Roth Analysis

CLIENT REASON #5: Ideal for estate planning: When it comes to estate planning, the Roth can't be beat. For one thing, the tax payment itself lowers the value of the estate and consequently reduces estate taxes. We have to assume that the estate tax will eventually be reinstated. But even if it isn't, Roth assets left to heirs maximize the Roth benefits because of the longer period of tax-free build up. Heirs also get to enjoy the tax-free status of all Roth RMDs. There's something very satisfying about leaving a legacy that is free of all encumbrances.

Of course, there are always exceptions:

• Income needs: If the client needs income from the IRA now or will soon, you probably shouldn't convert. It takes time to recover from the conversion tax hit. The longer the assets can remain invested, the more advantageous the Roth will be. Also, any client who's close to retirement and who will definitely drop to a lower tax bracket probably shouldn't convert. But you might want to run the numbers anyway, especially if the client plans to delay distributions.
  
  
• 10% penalty: If a client is under 59½ and doesn't have outside funds to pay the conversion taxes, there would be a 10% penalty on any funds that are taken out of the traditional IRA and not put into the Roth. The conversion might still work, but you should take a long, hard look at it before subjecting your client to a 10% premature distribution penalty.

When you join the Roth Mastery Study Group, you get a wide range of web-based training, client materials, workshop materials, and access to the Roth Conversions with Distributions calculator and more.

Your Roth Mastery Series Program includes:

WEBINAR TRAINING and GUIDE
At the core of the program is a four-part, weekly Roth Mastery webinar series that guides you through all major aspects of the Roth issue. Since the program is repeated each month, as a member of the study group, you can repeat any session as often as you'd like and listen to the sessions on-demand. Here's what's included in the sessions:

Customizable client education presentation

SESSION ONE
15 Roth Scenarios: Guidelines for Analyzing Your Clients' Conversion Options
(September 8 and the first Wednesday each month through December)

Roth Mastery begins with understanding how to assess the wide range of potential conversion scenarios a client may face. Mini-case studies demonstrate how to analyze cases using Horsesmouth's Roth Conversion with Distributions Calculator. Access to the online calculator and step-by-step calculator instructions included.

You'll learn to analyze a wide variety of conversion scenarios, and gain the background and knowledge to confidently guide clients through their complex decision making process. We'll show you:

• Why the one piece of advice the mainstream media keeps repeating is all wrong, and could cause many people to lose out on a valuable opportunity.
  
  
• What most Roth calculators miss, and why our Roth Conversion with Distributions Calculator trumps them all.
  
  
• How the two reigning Roth conversion "camps" came to be, and why we propose a third, and more rational, camp for you to join.
  
  
• The three key variables that will give you the confidence to decide when to convert to a Roth and when to stick with the traditional IRA.
  
  
• The surprising truth behind the common belief that a conversion only makes sense if the client will be in a high tax bracket in retirement.
  
  
• The first, and most important, question you should ask clients before you attempt a Roth conversion analysis.

SESSION TWO
The Nuts and Bolts of an Effective, Efficient Roth Conversion Plan, Part 1
(September 15 and the second Wednesday each month through December)

In Session 2, we'll guide you step-by-step through the five key elements necessary for any Roth conversion plan.

You'll learn to:

• Quickly confirm which plans can be converted and which can't, including some eligible assets your client probably never considered.
  
  
• Address the four main factors that determine when your client should convert.
  
  
• Avoid the tax trap that can trip up clients over the age of 70-1/2, saving them thousands of dollars.
  
  
• Determine basis properly.
  
  
• Adopt this one conversion strategy to hedge against almost any change in tax law or retirement plans.
  

Employ these two tactics to position your client's assets to take advantage of good markets or bad following a conversion.

SESSION THREE
The Nuts and Bolts of an Effective, Efficient Roth Conversion Plan, Part 2
(September 22 and the third Wednesday each month through December)

Conduct the Best Roth Analysis

By Session 3, you'll be ready to undertake the more advanced Roth topics and learn ways to employ that knowledge to steer clients clear of costly mistakes. You will be able to:

• Set up your clients' retirement income plan so they never have a reason to pay taxes or penalties on Roth distributions.
  
  
• Help clients fulfill their legacy goals by enacting seven powerful distribution planning strategies for beneficiaries while the IRA holder is still alive.
  
  
• Show a nonspouse beneficiary how to choose the best required minimum distribution method, even if they've already started on the wrong path.
  
  
• Educate all beneficiaries on the five money-losing moves they could fall prey to once they inherit the IRA.
  
  
• Counsel clients to avoid the seven most common errors people make while naming a beneficiary, despite their good intentions.
  
  SESSION FOUR
  Your Fall 2010 Roth Countdown Campaign: Leadership, Opportunity and Solutions
  (September 29 and the fourth Wednesday each month through December)
  
  Finally, in Session 4, you'll become proficient with the tools you need to become the "go-to" Roth conversion expert in your community; from comprehensive client seminar programs to strategic alliance roundtable blueprints. We'll give you:
  
  
• The centerpiece of the Roth Conversion Client Education and Marketing Program that will guide clients and prospects alike toward a conversion decision by focusing on three key questions.
  
  
• A five-step system to market and deliver client seminars that's not only easy to follow, it's simple to repeat.
  
  
• The critical elements of an e-mail drip campaign designed to explore the Roth conversion question from several different viewpoints, any one of which might prompt a client or prospect to pick up the phone to call you.
  
  
• Insight and instruction on how to take advantage of the enormous opportunity the new Roth conversion rules offer for financial advisors to create strategic relationships with accountants and estate attorneys.
  

How the Webinar Training Works: You may attend each session as often as you'd like through December. Each session will include a study guide to support and enhance the material presented in each session. You'll

Effectively conduct Roth analysis

receive the guides as PDFs during the class and receive a final, printed, three-hole punched, combined guide at the end of the program, for easy storage and access in a Roth Mastery binder.

Each webinar will run approximately 45 minutes. All Roth Mastery webinars are recorded for easy, on-demand replay on a WebEx webinar platform that makes viewing and reviewing easy for your demanding schedule. Each program is repeated and updated each month. ($499 value)

ANALYTICAL TOOL
Roth Conversion with Distributions Calculator: Roth Mastery participants receive full access to Horsesmouth's new Roth Calculator. We've examined more than a dozen calculators, and while no one calculator is absolutely perfect for every situation, the Horsesmouth Roth Calculator and accompanying resources will enable you to efficiently conduct a serious and highly useful analysis of Roth cases. ($299 value)

CLIENT PRESENTATION (FINRA review pending)
Customizable Client Education Presentation: "Tax-Free Income for You and Your Heirs: What You Need to Know About Roth Conversions Right Now" Customizable client education and workshop presentation. You get 25+ slides and 12+ page presentation speech. Ideal for large groups or one-on-one presentations. ($499 value)

Click image to view slide excerpt.

PRESENTATION LICENSE
Membership in the study group also includes the license to present the "Tax-Free Income for You and Your Heirs: What You Need to Know About Roth Conversions Right Now" workshop/seminar throughout 2010.

CLIENT REFERENCES
Roth Articles Reprint Series: Five (5) articles about common Roth issues written by Elaine Floyd, CFP®, Horsesmouth's Director of Retirement and Life Planning. You receive the articles in PDF format. Send electronically or print for your own distribution. You receive the right to share these articles with an unlimited number of people as long as you are an advisor and you share them only with your clients and prospects and strategic allies. Article titles include:

• Should You Convert to Roth If You're Older Than 70 and a Half?

• Share Roth Articles With Clients

  Taxes Will Make or Break 2010 Roth Conversion
• How to Protect Yourself From Future Tax Bills
• Roth Nuances You Need to Know
• How to Avoid Taxes on Roth Withdrawals

These articles are ideal for a client drip-communication program. Send out one at a time, share individually with specific clients and/or use however you like during your fall Roth campaign. ($499 value) Downloadable immediately on thank you page when you order.

Click image to view handout (not to scale).

Roth Client Reference Card (Pak of 50): This durable, two-sided, coated card is a brief overview of all the major aspects of a Roth analysis and possible conversion. Designed to easily explain the main Roth topics so clients can have it for quick refresher. Ideal for take-away for a meeting or workshop. ($99 value)

MARKETING MATERIALS (FINRA review pending)
Fall 2010 Roth Countdown Campaign Marketing Materials: Use these materials—workshop descriptions, brochure, posters, invitations, and press release—for your Roth 2010 Countdown marketing campaign this fall. It's everything you need to promote your client education workshops. ($299 value)

SPECIAL BONUS (FINRA review pending)
Strategic Alliances Roundtable Program (Roth 2010): There's no better way to demonstrate your leadership and commitment to your community, and the development of its professional class, than by hosting an annual roundtable on an important topic.

In this special, partial beta launch of Horsesmouth's new Strategic Alliances Roundtable Program only available to Roth Mastery subscribers, you'll get everything you need to organize, host and run a

Click image to view slide excerpt.

roundtable discussion in your community with estate planning attorneys and tax accountants of your choosing.

This professional development session is designed to help you bring together allied colleagues who can share insights, resources and perspective on important common client issues—in this case, Roth analysis and possible conversion.

The Program includes specific instructions on who to invite, how to extend invitations, how to recruit allied speakers, how to organize the agenda, how to host the meeting and how to do smart, professional follow up that enhances your status and reputation in the community—the real key to ultimately building strategic referral alliances. 

Step-by-Step Report on Organizing and Hosting a Roth Roundtable

In addition you get a full script and slide presentation you can use to run the Roth Roundtable. You also get a full, step-by-step report called: The Roth Conversion Roundtable: 4 Steps to Organizing and Hosting a Roth Roundtable for Professionals in Your Community.
($499 value)

Here's what you'll find inside:

Step One: Find Your Professionals

• The three professional disciplines that Roth conversions touch upon.
  
  
• Why an alliance with your clients' other advisors is in all your best interests.
  
  
• Nine methods for locating attorneys and accountants for your Roundtable.
  
  
• Tips on making a good first impression with your own Referral Guide.
  
  
• Five common concerns you'll need to address with CPAs.
  
  
• PLUS a Sample Press Release designed to advertise and summarize the purpose of your event for the media.
  

Step Two: Extend the Invitations

• Sample invitation scripts ideal for print, telephone and e-mail.
  
  
• Help prepare your guests beforehand with an Agenda E-mail.
  
  
• Tips on planning your Roundtable's date, time and location.
  
  
• The four best days to host an event (and why to avoid the others!).
  

Step Three: Lead the Roundtable

• How to assert your role as moderator, while keeping the Roundtable equal.
  


• Four crucial objectives to address in your 15-minute PowerPoint Presentation.
  


• Six questions designed to trigger a good discussion.
  


• What to do when guests are reluctant to volunteer answers.
  


• How to inspire and reassure your guests with a specific call to action.
  
  
• PLUS a Sample Evaluation Form for obtaining useful feedback.

Step Four: Follow Up

• Six items to include in your first follow up e-mail to your Roundtable allies.
  


• How to ensure your new contacts don't just skim the e-mail.
  
 
• How to properly incorporate your Roth Mastery Article Reprint Series.
  
 
• Reinforcing your good impression: The do's and don'ts of an effective hand-written thank-you note.

PRESENTATION LICENSE
Membership in the study group also includes the license to present the "Strategic Alliances Roundtable Program" throughout 2010.

As you can see, we've tried to think of every thing you'll need to make the most out of the Roth 2010 opportunity. But please take a minute to consider these…

REASON #1: Reinforces Your Positioning as Retirement Planning Leader. When it comes to getting clients ready for retirement, it's a huge and complicated challenge. One of the chief overlooked aspects of the Roth conversion opportunity is looking at how to sequence a client's income distributions in retirement so that their total annual income in retirement is the most tax efficient.

When you develop mastery over how best to use Roth in organizing your clients' retirement assets, you're adding a new tool to your professional skill set. And it's a concrete strategy your clients can see and understand and appreciate.

The Roth Mastery Study Group will show you how best to address these issues. And with 10,000 baby boomers a day moving into the retirement age demographic, many of them are hungry for leadership in this critical pre-retirement period.

Conduct the Best Roth Analysis

REASON #2: Capitalizes on a Unique, Time-Sensitive Opportunity for Client Education. Now that most HNW clients have completed their tax filings, the final quarter of 2010 is the perfect time to sit down with your best clients and conduct a serious, full-on meeting about the various Roth opportunities in front of them.

The Roth Mastery Study Group program will arm you with all the materials and tools you need for complete analysis and client education. When you join the program, you'll know that Roth will be your top client priority as you move through the final quarter of the year. And you'll have all the support you need to make the most of it.

REASON #3: Opens the Door to Meaningful Wealth Transfer and Estate Planning Discussions. Most clients are reluctant to talk about life after their death. And it's not an easy topic for the advisor to broach with clients. But with the Roth conversion opportunity, you're presented with a unique chance to demonstrate the power of tax-free compounding of post-Roth conversion assets, especially for amounts they expect to pass along to their heirs. That's a subject worth talking about with affluent clients.

The Roth Mastery Study Group will give you the tools and insights to counsel clients wisely on legacy aspects of the Roth conversion topic.

REASON #4: Answers New, Hard Questions Coming Your Way. As we move toward the fall, the media frenzy surrounding the Roth's 2010 tax options will only escalate. Roth conversion is a complicated, multi-faceted issue. And as the year moves on, the media's reporting on the topic will mature—and so will the level of questions you're being asked to answer by clients and prospects.

The Roth Mastery Study Group will arm you with the answers, strategies and techniques to efficiently move your clients through the best analysis process.

REASON #5: Enriches Your Expertise by Providing Insights of Your Roth Mastery Colleagues. The Roth Mastery Study Group is a unique opportunity for you to share and participate in a community of like-minded professionals. Advisors in the group join because they see that Roth analysis has great potential and is a highly complex and ongoing challenge.

Instead of going it alone, the Roth Mastery Study Group gives you the forum to benefit from the wisdom and insights of hundreds of advisors who see the Roth opportunity as an important client service undertaking.

REASON #6: Arms You With a Great Prospecting Tool (Deep Roth Knowledge). As you'll soon see, the flexibility of the Roth conversion opportunity means there are numerous ways you can leverage this topic in your discussions with prospects. Whether you're getting a referral based on your top clients talking to their friends and colleagues about the excellent analysis and recommendations you made for them on Roth, or hosting a client education workshop that brings in client-related prospects, Roth knowledge is a substantial credibility builder.

The Roth Mastery Study Group client education workshop materials are a natural complement to any prospecting activities you undertake this year.

REASON #7: Enhances Your Professional Reputation in the Eyes of Potential Strategic Allies. The Roth topic is a genuine, substantial opportunity for you to have meaningful interaction with the estate attorneys and CPAs in your community—and especially with those who work with your clients.

The Roth Mastery Study Group will show you how to organize and host a Roth roundtable with those key professionals in your community. They'll benefit by your work. Your clients will benefit by your work. And you'll enjoy serious, new allied professional relationships.

REMEMBER: Allied professionals only want to refer to advisors who they believe can really add value to any client situation. The Roth topic is ideal for such demonstrations.

REASON #8: Gives You a Lifetime Professional Skill. 2010 is not the end of the Roth opportunity. It's really just beginning. While there are some specific tax reasons to motivate Roth conversion action this year, all the unique features and benefits of the Roth conversion will still be in place next year and for the foreseeable future—and especially for the HNW client not previously eligible to pursue the Roth conversion.

So an investment in your professional skills around the Roth topic is simply smart, long-term planning for your own professional development. What you learn in the Roth Mastery Study Group will be skills and client tools you can continue to use through 2011 and beyond.

REASON #9: Protects You From Interlopers While Building Client Loyalty. You don't want your clients on the receiving end of conversations about Roth conversion opportunities that come from competitors—either directly or through your clients' friends and colleagues.

When you elevate the importance of the Roth conversion opportunity with your clients, meet with them and conduct a full-on analysis—regardless of the outcome—you know you've strengthened your connection with that client.

The act of engaging them on the Roth topic demonstrates the value you bring to the relationship, educates them on a key financial planning issue, and inoculates them to being susceptible to competitive interlopers looking to grow their business at your expense.

So, enrolling in the Roth Mastery Study Group gives you a competitive advantage.

We think the Roth client analysis is an unparalleled opportunity for you to deliver smart financial planning leadership to your clients and prospects. That's why we've made the Roth Mastery Study Group as comprehensive as possible, giving you the tools and guidance you need both for the analysis and the marketing. This is new, valuable expertise for you to bring to your clients both now in 2010 and in the years to come.

We think this program is so important to your community, your clients and your success, that I'm trying to make it as easy for you as possible to gain this important expertise. So here's my promise:

Join the Roth Mastery Study Group today and save $1,697.

Make the Roth opportunity your chief client service and marketing focus for the remainder of 2010. The current economic and political context regarding taxes and the deficit makes such a campaign completely timely.

By carrying into your community a clear-eyed and holistic view of the potential of the Roth conversion, you'll be strengthening and reinforcing your stature and reputation as a competent, independent-minded professional. That's why I urge you to join the Roth Mastery Study Group and make this guarantee:

Learn the program. Present it to your clients, prospects and strategic allies. Use it one-on-one and in group settings—as a client education workshop or Roth Roundtable. Do that for the rest of the year. If you're not finding that our program, guides, workshop and marketing materials are increasing your level of expertise, we'll completely refund your money—100%. Just return the materials. No questions asked. Guaranteed.

Elaine Floyd, CFP®

For nearly a decade, Elaine Floyd has delivered clear, crisp, easy-to-understand analysis about the most complex and pressing financial planning issues of the day. Her articles and special programs have received a wide following and praise.

In 2008, Elaine launched the hugely successful Savvy Social Security Planning for Boomers program, a professional development and client education workshop program.

Now she is bringing her analysis and unique voice to untangling the Roth conversion issue. Elaine is the lead developer of the Roth Mastery Study Group and your point person for questions about how to best use the program with your clients.

Here's what some recent program attendees had to say about their four-week Roth training with Elaine Floyd:

Allowed Me to Be More Knowledgeable
"I was concerned about a lot of the talk that is going on concerning converting to a Roth, and I wanted dependable answers. Elaine does a very credible job as host providing a deep presentation with strong facts, and the program has allowed me to be more knowledgeable about Roth IRA conversions." —Delmar Gillette, Newport News, VA

Puts Me Ahead of My Peers
"I was looking for a process to make intelligent decisions about Roth Conversions, not guesses. Session One of the program dispelled many myths about the process and gave me education that puts me ahead of my peers and other professionals, and now I can begin objective reviews of conversion options for clients." —Leo O'Connor, Binghamton, NY

The Dots Are Getting Connected
"I think we are the ones who owe you the big thank you! I already subscribed to many of the mentioned references such as Michael Kitces and Ed Slott's newsletters, Bob Keebler's book and did other webinars. We have done 6 conversions in 2010 and 12 in prior years starting in 2003. When this course was announced, I thought, 'Will I really learn enough new things to make it worthwhile?'! I thought my knowledge base was pretty high but there was much more to learn, gaps to fill!"

"Finally it is all coming together, the dots are getting connected. It's exciting!! I attribute that to the depth of the references/research plus your delivery style—clear, comfortable, straightforward and organized, backed up by handouts, slides, the great calculator and the ability to listen again if needed really takes the pressure off—facilitates our learning. I will be telling all my friends—-the advisors, planners about this—they all need it." —Joe R. Hollen, Hollen Financial Planning, Ltd., Reno, Nevada.

Conduct the Best Roth Analysis

It's really easy to get started with the Roth Mastery Study Group program. Just follow any link on this page and complete the easy-to-use order form.

When you complete the form you'll be instantly enrolled in the Roth Mastery Study Group.

We'll immediately fire off an e-mail to you with a FROM line that will say "Horsesmouth—Roth Mastery Study Group." (Be sure to white-list that address in your e-mail software.)

The e-mail will contain your user name and temporary password to the Roth Mastery Study Group private website. (www.rothmastery.com.)

Once you login and change your password, you'll have instant access to all the Roth program's components:

• Roth Mastery Webinars and Study Guide Materials
• Roth Calculator With Distributions
• Client Workshop Presentation—speech and slides
• Roth Articles Reprint Series
• Roth Roundtable Program: study guide, speech, and slide

You can start reviewing and using these materials and resources right away.

Later this fall, you'll receive a finalized, complete hard-copy set of the Roth Mastery Study Guides (available now instantly in PDF on the site). And you'll receive 50 copies of the Roth Quick Reference Guide once it has been FINRA reviewed.

Each week, you'll receive a couple of Roth Mastery Study Group emails informing you of when and how to view the next installments of the 4-part Roth Mastery Study Group webinar trainings. (Remember, you can view on-demand or per the monthly schedule—the choice is up to you.)

The emails will also contain links to any new resources on the Roth Mastery Study Group website and any other news about the program or events scheduled.

In about a week, you'll also receive a Roth Mastery Study Group binder in the mail for you to store your temporary copies of the study guide and associated materials. When the finalized versions arrive later this fall, you can store them in the binder.

Here's how to best approach getting started with your Roth Mastery Study Group program:

1) Go ahead and view Elaine Floyd's first webinar Session One: 15 Roth Scenarios: Guidelines for Analyzing Your Clients' Conversion Options. By doing this, you'll get familiar with how Elaine's sessions work and how to use the accompanying materials. The first session is about 45 minutes.
2) Once you've listened to Session One, go ahead and check out the Roth Conversion with Distributions Calculator.
3) Decide when you'll view the remaining three sessions. Remember, you can do them completely on-demand, or wait and do them as they come up each week. There's one session scheduled per week on Wednesdays at 4 p.m. ET/1 p.m. PT.
4) Download and review the Roth client workshop and presentation.
5) Review the associated marketing materials.
6) Download and review the Roth Roundtable resources.

Now you'll be familiar with all the aspects of the program and better positioned to decide exactly how and when you intend to use them in your fall campaign.

The other day I was reading a study about advisors and the Roth conversion topic (written by Advisors Trusted Advisor) that offered a deeply penetrating comment from advisor Cory Faucheux, of Louisiana.

Conduct the Best Roth Analysis

He was explaining why it's so important to him—and I think you, too—that he be THE person who fully and thoroughly explains all the ins and outs of Roth conversion to his top clients:

"We have opened the discussion to most of our clients, whether they felt it was in their best interests or not. The reason? We wanted to be the person they heard the strategy from first. We didn't want clients that we had good relationships with to come to us and say, "Hey, did you know about this?'"

Mr. Faucheux put his finger on the exact reason why I urge you to move on boosting your Roth leadership skills right now. Roth is complicated and multi-faceted. You don't want your clients learning about it from anyone else other than you.

And now's the best time for you to start making that happen. Remember, getting your clients moving on Roth in 2010 means they'll be able to lock-in 2010 tax rates and take advantage of the two-year tax pay-up option.

So get your Roth Mastery Study Group materials and begin planning your next client campaign. You'll be happy you did and when 2011 rolls around, you'll be able to look back and know you made a smart move for you and your clients.

Best,

Sean M. Bailey
Editor in Chief
Horsesmouth

P.S. Just to remind you. The Roth Mastery Study Group sessions run once a week. The program starts anew on Wednesday, Sept. 8th. But go ahead and sign up now so you can get familiar with all the valuable resource in the program.

P.P.S. Hosting a Roth Roundtable for strategic allies in your community is a special, additional bonus of the program. I’m quite surprised to learn how much CPAs and estate attorneys still don’t understand about Roth. So your Roth expertise and leadership is a great foundation for forging new strategic alliances

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