The only retirement account
the IRS can’t tax.

Free personalized analysis — 9 questions, about 3 minutes, no SSN or phone number required.

✓ 100% Free ✓ 2–3 Minutes ✓ Secure

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Roth Blueprint is an independent analysis tool. The report is educational and is not tax or investment advice.

What a difference timing can make

Example — age 65, $500K IRA, married filing jointly. Illustrative only.

Designed to do 3 things.

Criteria 1

No out-of-pocket cost.

Most retirees keep only 4–7% of their savings in cash, which doesn’t leave much room for large tax hits. A Roth Blueprint covers the taxes using the strategy itself, not your savings. We’ll help you convert without emptying the coffers.

Criteria 2

No jumping tax brackets.

Converting too much can push you into a higher marginal bracket. A Blueprint converts right up to the top of your current tax or IRMAA bracket each year — never a dollar over. You convert as much as you can without bumping into a higher rate.

Criteria 3

No reduction of income.

Any Roth conversion will alter your tax landscape, but the benefits won’t be worth it if the conversion shrinks your bottom line. We model your conversions so that your lifestyle needs are always prioritized before, during, and after.

● Registered Social Security Analyst®

Maximize Your
Social Security Benefits.

As a certified RSSA®, Michelle Oakley helps you navigate complex claiming rules to ensure you don’t leave tens of thousands of dollars on the table.

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Michelle Oakley, RSSA® financial advisor

Why Work With an RSSA®?

Making the right Social Security choice is one of the most important financial decisions you will make. The difference between the best and worst claiming strategy can be massive.

🎯

Personalized Strategy

We analyze your specific earning history, marital status, health, and financial goals to find your optimal claiming age.

📈

Maximize Lifetime Value

Our advanced software compares thousands of claiming permutations to uncover hidden benefits you might miss.

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Avoid Costly Mistakes

Navigate complex rules surrounding spousal benefits, survivor benefits, and the earnings test with absolute confidence.

Meet Michelle Oakley

RSSA® • CMIP • Oakley Financial LLC

With over 20 years of experience in financial services, Michelle helps retirees keep more of what they’ve saved. Her practice centers on three pillars: retirement tax strategy through Roth conversion planning, Social Security optimization, and Medicare guidance — an integrated approach that addresses the biggest financial decisions heading into retirement.

Ready to Take Control of Your Retirement?

Start with your free Roth Blueprint analysis, or schedule a complimentary consultation.

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The only retirement accountthe IRS can’t tax.