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Annuities

IRA conversion made simple

We make it easy for you to systematically transfer money over time from a traditional IRA to a Roth IRA or from an Inherited IRA to a Non-Qualified contract.

Understanding
IRAs and your
conversion options

If you have an Individual Retirement Account (IRA), you've taken an important step toward preparing for retirement. But have you considered how and when those assets will be taxed?

  • Traditional, SEP, SIMPLE
    Taxes are typically paid when you take income.
  • Roth IRA
    Qualified withdrawals are tax-free.

Depending on your situation, converting a portion of your IRA now — instead of waiting — may help you better manage taxes over time.

That's where EquiTrust can help.

A streamlined Partial Tax Conversion process

EquiTrust offers a turnkey Partial Tax Conversion (PTC) process that allows you to gradually move assets:

From a Traditional, SEP or SIMPLE IRA to a Roth IRA

From an Inherited IRA to a Non-Qualified contract¹

Instead of converting everything at once, you can transfer smaller amounts over time — potentially paying taxes while you're in a lower tax bracket. You decide when and how much to convert. And you can stop and start as your needs change.

1 Future gain will be taxed on this type of conversion.

Could a Partial Tax Conversion make sense for you?

It might be a good fit if you're looking to:

Create tax diversification in retirement

Manage inherited IRA assets with required distributions

Plan for the possibility of rising tax rates

See how the process works for converting to a Roth IRA. Put a Roth IRA into action