A two-panel line chart comparing outcomes with and without a Roth conversion strategy. The title reads “A Roth conversion strategy can help reduce tax payments and increase wealth.” Panel a (left): “Cumulative tax payments with and without a Roth conversion strategy.” The label reads “Median cumulative tax payment amounts.” The Y-axis shows values from $0 to $800k, gridlines every $200k. The X-axis shows age from 62 to 100, labeled at 62, 70, 80, 90, and 100. Two lines are shown: “Convert up to the 15% capital gains bracket annually” (solid teal line) starts at $0 at age 62, remains near $0 until approximately age 70, then rises gradually to approximately $200k at age 79 (labeled “Tax bracket-even age: 79”), continues rising to approximately $400k at age 90, and reaches approximately $600k by age 100. “No Roth conversions” (dashed orange line) starts at $0 at age 62, remains flat until approximately age 73, then rises more steeply than the teal line, reaching approximately $400k at age 90 and approximately $800k by age 100. An annotation indicates “Tax bracket-even age: 79” with an arrow pointing to where the lines cross.