Thomas Wright, RICP®
Income Planning Specialist
Thomas Wright, RICP®
Income Planning Specialist at RothIRACalculator.us
Thomas is a Retirement Income Certified Professional dedicated to helping savers structure sustainable lifelong cash flows. He specializes in Roth conversion ladders, traditional rollover mechanics, and timing early distributions to avoid tax penalties.
Articles written by Thomas Wright (4)
The Backdoor Roth Strategy, Explained Simply
High earners locked out of direct Roth contributions can still get money into a Roth — legally.
The Mega Backdoor Roth: $46,500 in Tax-Free Savings
If your 401(k) allows after-tax contributions and in-service conversions, you can supercharge your Roth.
The Roth Conversion Ladder: Early Retirement's Secret Weapon
Convert just enough each year to access retirement money before age 59½ — penalty-free.
Rolling Over a 401(k) to a Roth IRA: Step by Step
Leaving a job? Here's how to convert your old 401(k) into a Roth IRA without missteps.
See your tax-free retirement, in seconds.
Model contributions, conversions and decades of compounding — or compare Roth vs Traditional side-by-side.