I’m Sean Sterling, an independent author and financial educator. I write practical, plain-English guides on Roth IRA strategies — the same tax-smart concepts I teach through Flight To Wealth — so everyday investors can make confident retirement decisions.
Explore the Smart Roth Series
Practical guides to help all earners unlock tax-smart Roth IRA strategies.
Taken together, the Smart Roth Series walks you from foundation to execution: how Roth, pretax, and taxable accounts fit together across your career, how to convert pretax savings to Roth without derailing your investments, and how to adapt it all when your income varies year to year. If you’ve ever wondered how Roth conversions really work — or how they fit into a broader retirement plan — this is the roadmap.
A Smart Way to Use Roth IRA and Roth 401(k) to Maximize Tax Efficiency for Life
The foundation of the Smart Roth Series — learn how to blend Roth, pretax, and taxable accounts across every career stage so you can build tax-efficient wealth for life.
- Understand Roth IRA and Roth 401(k) basics and when to use each.
- Use the “pretax anchor” and lifetime tax diversification to manage RMDs and brackets.
- Build a Roth conversion “reserve” from pretax tax savings to fund future conversions.
- Practical examples, worksheets, and checklists to design your Smart Roth Foundation.
Just $9.99 — start building lifelong tax efficiency today.
A Smart Way to Convert to a Roth IRA Without Missing Market Gains
Learn a smarter, stress-free Roth conversion strategy — keep your money invested and growing while shifting it to tax-free status.
- Avoid the five most common Roth conversion mistakes.
- Step-by-step guidance integrating tax planning, asset location, and market participation.
- Coordinate with Medicare premiums, ACA thresholds, and long-term tax brackets.
- Checklists, real-world stories, and confidence boosters for immediate action.
Just $9.99 — a small investment that could save thousands.
A Smart Way to Maximize Roth With Variable Income
Exclusively on Amazon Kindle — free with Kindle Unlimited.
Empowers freelancers, entrepreneurs, and anyone with variable income to take control of their Roth IRA and Solo 401(k) strategies.
- Smart Roth Sequence (S3) for tax-free growth and flexibility.
- Mega Backdoor Roth strategies for Solo 401(k)s.
- Navigate Medicare IRMAA, ACA cliffs, and QBI phase-outs.
- Practical checklists and monitoring tools for real-world action.
Just $9.99 — maximize your retirement potential today.
🌎 New to Smart Roth? Start with A Smart Way to Use Roth IRA and Roth 401(k) to Maximize Tax Efficiency for Life, then continue with A Smart Way to Convert to a Roth IRA Without Missing Market Gains, and finish with A Smart Way to Maximize Roth With Variable Income for advanced strategies.
Put the concepts into practice. Readers who want to model Roth conversions and project future RMDs can try my free Flight to Wealth: Net Worth app — a private, manual net worth tracker with the same tax-location thinking these books teach.