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Steven Erickson
Discounted ROTH Conversions
Leveraging the J-Curve for Tax Efficiency
Chart above is hypothetical, for illustrative purposes only and should not be construed as a guarantee of the actual performance of any investment.
Early Years
Value drops due to upfront costs: management, acquisition, development expenses.
Conversion Timing
Convert during the low point of the J-curve, paying taxes on temporarily depressed valuation.
Later Years
Value recovers and rises as asset is built, improved, leased, or sold—all tax-free growth.
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