Strong participation and high confidence: Boldin’s survey of users reveals strategies about strategy Roth conversion

Ross conversion is a powerful tax planning strategy, but how do retired savers actually use them? A recent survey of Boldin subscribers showed that users are not only highly involved in Roth’s conversion program, but also take meaningful actions based on Boldin’s tools and insights.

The results show 89% of respondents With the development of most Year-to-year plan Optimize its tax efficiency. also, 83% of users Say they either take action or plan to take action in 2025.

Below, we break down six surprising gains from the survey:

The vast majority (89%) of respondents said they used Boldin’s tools to develop Roth’s conversion, with 49% using Roth Conversion Explorer and 36% using Explorer and Money Flow.

Only 6% reported not using these tools, while 1% were uncertain.

this Rose Convert Explorer And evaluate the Ross conversion Money flow It is a way to assess the impact of this financial strategy on your current and expected financial situation.

• Explorer runs a highly complex algorithm to evaluate many potential Roth transformation strategies designed to determine the most efficient approach based on your specified goals, future economic assumptions, and your personal financial parameters. Users can evaluate the proposed plan through program comparison and compare it with all financial metrics.
• In the currency stream, users can model specific Roth conversions over the years they require and evaluate the impact on a variety of financial indicators, including their lifetime tax liabilities and net worth and lifespan at retirement.

2. Boldin users develop complex Roth strategies that span years

When considering Roth conversions, Boldin users are seeking complex multi-year strategies. Seventy-one percent of subscribers use these tools to develop a multi-year conversion plan, while another 24 percent of subscribers combine both current and multi-year approaches.

Only 4% of respondents focused solely on the year, highlighting the importance of Boldin users to long-term tax plans.

There are differences in the time period of the conversion distribution:

• Of the users who plan their conversion strategy for many years, 50% of users have drawn their conversion within 5-10 years
• 25% plan for 2-4 year period
• 11 – 15% plan for 15 years
• 9% plan for 16 years or more

3. Rose conversion plan is a financial habit, not a one-time action

When asked about how often they use Boldin’s Roth Conversion Explorer, 76% said they used it multiple times throughout the year, 11% checked at the beginning of the year, and 4% only ran the tool at the end of the year.

Boldin’s coaches and support staff reported that users frequently run the tool using the Apply Program feature to create multiple scenarios as decision-making tools before making Roth conversions.

In addition to modeling, many respondents have taken action or planned to perform the Ross transformation as soon as possible. All 83% of respondents said they have taken action or planned to take action in 2025 based on information obtained by using the Boldin Roth conversion.

The timings for conversion vary: People who do conversion have different ideas.

• 42% of Boldin users would rather convert once a year at the end of the year
  • By the end of the year, if users manage tax brackets, IRMAA brackets, or other thresholds, it can enable users to better estimate the ideal conversion amount.
• 35% of respondents distributed throughout the year
  • As the stock price changes, users may make multiple conversions throughout the year, and they have more information about their annual income relative to any brackets or thresholds they are trying to manage. One reason to convert earlier this year is that when the stock price is low, the conversion may allow users to convert stocks in less dollars.
• A smaller group (14%) took action sometime in the middle of the year.
  • Conversions over the year may indicate that users have enough confidence in the number of people in the year to take action.
• Ten percent converted at the beginning of the year
  • Because conversions when the stock price is low may cause users to convert more shares in less dollars, if/when will the stock price rise later this year, it can prove beneficial to make a conversion at the beginning of the year.

Why a few people don’t take action

Among those who choose not to take Roth conversion, the most common reason (30%) is uncertainty about whether the conversion is beneficial. Others pointed out that they were unable or unwilling to pay conversion taxes (15%), plans to seek financial advice (12%) or other personal factors (42%) before moving forward.

5. Different conversion goals

A wise strategy for Roth conversion requires you to set the main goals for making the conversion. Moreover, the survey shows that the reasons for conversion vary:

• The goal is to reduce its lifetime tax liability
• 30% want to keep below certain tax rates
• Only 20% are working to improve their property
• And, only 6% of people try to minimize irmaa

Among users, the level of confidence in Ross conversion strategy is usually high. More than half (55%) expressed moderate confidence that their plans would improve their financial prospects, while 27% were very confident. However, 18% of people still remain uncertain about the impact of their Ross conversion strategy.

Moreover, Boldin’s Roth conversion feature is widely recognized, with 82% of respondents reporting satisfaction (65% satisfied, 17% very satisfied). However, 14% said they were unsatisfied, highlighting potential further improvement areas.

in conclusion

The findings show that Boldin users are highly involved in Roth’s conversion program and value the ability to model their strategies over the years. The level of confidence in the Boldin tool is still strong, and most users are happy with its features.

How to conduct an investigation

The BOLDIN user survey was conducted to gain a deeper understanding of how PlannerPlus subscribers leverage the Roth conversion feature and its impact on the decision-making process. The survey was distributed to active Boldin users who logged in to the planner on Friday, February 28, 2023.

A total of 208 users participated in the survey, providing data on their Roth conversion strategies, frequency of use, and satisfaction with platform features. 92% of respondents were 50-69 years old (36% of 50-59 years old, 56% were 60-69).

To ensure the accuracy and reliability of the data, the response is anonymous and aggregated.

The findings of this survey provide an invaluable snapshot of how Boldin users handle Roth’s conversion, highlighting the trends, timing preferences and confidence levels of financial decision-making in multi-year planning. These insights will help Boldin further refine its tools and educational resources to better provide users with services that optimize their retirement strategies.

More information about Boldin Planners and Roth Conversions

Boldin Planner is a powerful software that can control you. It’s almost like a financial expert at your fingertips. Research shows that people with written financial plans do 2.7 times better financially. They are also 54% more likely to live comfortably when they retire. That’s not luck, that’s controlling your money. Boldin Planners were named the best financial planning software of 2025, and the company was selected as the top innovator in Uplink’s thriving longevity challenge and named Fintech 100 by CBinsights.

And, here are some other information about Ross conversion: