Convert Taxes Into Wealth — Run Your Personalized Roth Conversion Estimate in 30 Seconds
Most people delay Roth conversions until it’s too late — and end up paying far more in taxes during retirement than they have to.
This free tool shows you:
Free Plan Analysis - Compare your fees and performance against industry benchmarks.
Identify Hidden Costs - Discover revenue sharing fees to reduce employee returns
Optional Expert Consultation - Review findings and explore improvement opportunities
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“We paid taxes our whole career… but we never imagined taxes could take so much of our retirement.”
We hear this from families in their late 50s and early 60s every single week.
Because here’s the truth:
📌 Most retirees unknowingly overpay the IRS by 20–40%
📌 RMDs force taxable withdrawals even if you don’t need the income
📌 A single year of high income can spike your taxes for life
📌 And most advisors simply don’t run proactive tax strategies
But Roth conversions can flip the script.
By paying strategic taxes now, your retirement dollars can grow tax-free for life — reducing RMDs, lowering future income taxes, and increasing what you keep (and what your family inherits).
The first step is understanding your numbers.
This calculator gives you a personalized estimate in less than 30 seconds.
5.0 based on 150+ reviews
Roth Conversion Snapshot
Answer a few quick questions to see if a Roth conversion may help reduce your future taxes and Required Minimum Distributions (RMDs).
Your Snapshot Results
Value if invested (assuming 5% return)
Unlock Your Full Roth Conversion Report (Free)
Your Personalized Roth Conversion Report Includes:
Year-by-year taxable impact
Future value of converted Roth funds
Your break-even tax year
Estimated lifetime tax savings
Recommended conversion ranges (full, partial, staged)
RMD reduction impact
Easy-to-understand charts & explanations
You get more than just numbers — we help you get clarity.
WHY ISN’T YOUR ADVISOR DOING THIS?
Your Advisor Should Be Proactive - Providing a Financial Plan To Help Achieve Your Goals
Submit Your Plan Info
Securely provide a few basic details about your company's 401(k) plan. It's fast, simple, and confidential.
Receive Your Free Report
We analyze your plan's fees and performance against relevant industry benchmarks and peer companies.
Optional Free Consultation
Review your report findings with an expert and discuss potential improvements for your plan.
5.0 based on 130+ reviews
5.0 based on 130+ reviews
Client Success Stories
See how we've helped other professionals gain clarity and confidence in their retirement strategy and financial decisions.
"Initially, Langan Financial Group associates managed my company’s 401 K plan.
Our experience was very positive wherein associates were:
- Professional
- Listened to & promptly
- Responded to my staff's
questions - Provided excellent guidance
Ensured we had the information to meet all 401 k
reporting requirements.
We transitioned to retirement with Langan Financial Group.
The relationship with the Langan Financial Group associates has been very positive.
The "five star" rating is well deserved."
Fred Nichols
President
"Langan Financial Group has been instrumental in guiding Lower Susquehanna Riverkeeper Association (a 501c3 non-profit organization) through a comprehensive overview of retirement and investment options for a small organization such as ourselves.
It's abundantly clear that Langan Financial Group values their clients' objectives.
We are very happy with customer service, investor relations, and the general responsiveness to our questions.
Thank you Devin, Alex, Harry and Langan Financial team! A+++."
Ted Evgeniadis
Executive Director
"Did not hesitate to give Langan Financial a 5-star review.
First met Bob when he took over management of my employers deferred comp program which was previously managed by a very large, national financial company who in the previous 10+ years I participated, never saw or spoke to a representative.
Couple things immediately caught my attention, Langan Financial management fees were significantly less thus allowing my account to grow more, they offered to schedule a review with each participant, they came in and did group lunch & learn sessions 2 times a year that were NOT sales pitches but truly basic information on investing and the advantages of having a financial plan. They offered 1 on 1 meetings with every employee, whether a deferred comp participant or not to review their finances and make suggestions, no sales pitches.
I am so glad I listened to Bob & his team since they played a major role in allowing me to now enjoy a financially stress free retirement. I continue to meet with Langan Financial on a regular basis to review my investments and have never felt pressured or listened to a sales pitch.
The entire team is a pleasure to work with and I highly recommend Langan Financial for financial planning & guidance."
James Adams
Former Chief of Police
Get a Clear Picture of What Your
Company's 401(k) Plan Is Really Costing You
See How Your Plan Stacks Up Against Similar Companies
Compare your fees, returns, and participation rates to detailed industry benchmarks and peer data.
Administrative costs compared to plans with similar employee count
Investment performance measured against comparable industry retirement plans
Employee contribution rates versus other companies in your sector
Track Your Plan's Performance Over Time
Review multi-year trends in fees, returns, and employee engagement to spot problems early.
Fee Trends showing whether costs increased despite growing plan assets
Investment performance measured against comparable industry retirement plans
Employee contribution rates versus other companies in your sector
Spot Compliance Issues Before They Become Costly Problems
Identify fiduciary risks and vulnerabilities that could lead to expensive penalties or lawsuits.
Risk assessment highlighting your biggest compliance and fiduciary exposure areas
Vulnerability analysis showing where your plan falls short of standards
Liability reduction strategies to help minimize potential legal and financial risks
5.0 based on 130+ reviews
How We Support Your Plan Long-Term
While our free analysis shows you what needs to change, we also provide ongoing support to help you implement improvements and maintain a competitive plan year after year.
Your Dedicated Advisor
Administrative Relief
We handle paperwork, vendor quotes, and competitive analysis to save you time.
Clear Fiduciary Protection
Written commitment to act in your best interest with no hidden conflicts.
Free Employee Services
One-on-one financial planning and education sessions provided at no additional cost.
Compliance Monitoring
Proactive support to help avoid DOL penalties and reduce your legal liability.
Transparent Pricing
No hidden fees or revenue sharing arrangements that compromise your plan's value.
Smooth Transitions
Dedicated team manages the entire switch process with minimal disruption to operations.
Strategic Recommendations
Clear action steps to improve plan performance and reduce costs immediately.
5.0 based on 130+ reviews
Everything You Get When You Work
with Langan Financial
Our plan fees range from 12 to 50 bps (0.12% to 0.50%) of your plan's assets under management. As your assets increase, our fees decrease since the workload reaches a stable level, keeping our pricing competitive while including additional services at no extra cost.
In the Report:
Plan Performance Benchmarking
$1,000 Value
Fiduciary Risk Assessment
$900 Value
Fee & Expense Analysis
$800 Value
Employer & Employee Contribution Benchmarking
$600 Value
Participant Demographics & Retirement Readiness
$500 Value
Service Provider Review
$400 Value
Custom Recommendations + Visual Executive Summary
$500 Value
Total Value: $4,700
Get all of this for FREE!
Our management fee:
just 12 bps - 50 bps of assets
Get your benchmarking report now, with optional consultation to discuss your results and next steps
5.0 based on 130+ reviews
Get the Facts About Your Company's 401(K) Plan
Request your free report and see how you compare to other companies.
Free Plan Analysis - Compare against industry benchmarks
Identify Hidden Costs - Discover revenue sharing fees
Optional Expert Consultation - Review findings with an expert
5.0 based on 130+ reviews
IMPORTANT LEGAL DISCLOSURE
Educational Use Only: This Fiduciary Risk Assessment and all accompanying materials are provided solely for educational and informational purposes. They are not intended to constitute, and should not be construed as, legal advice, tax advice, fiduciary advice, compliance determinations, audit findings, or regulatory opinions.
Statutory Penalties and Excise Taxes: Any references to statutory penalties or excise taxes are provided for general educational context only. They describe potential outcomes under applicable law and do not represent determinations, predictions, guarantees, or assurances of enforcement action, assessment, or liability.
No Regulatory Determination: This report does not constitute, and should not be interpreted as, a determination of compliance or non-compliance by the U.S. Department of Labor, Internal Revenue Service, Securities and Exchange Commission, or any other governmental authority.
No finding of fiduciary breach, prohibited transaction, statutory violation, or enforcement exposure is made or implied.
No Causation or Fault Attribution: References to potential penalties, excise taxes, enforcement actions, settlements, litigation outcomes, or regulatory remedies are presented solely for general educational purposes.
Such references do not imply that any violation has occurred, that any loss has been caused, or that any party bears responsibility or liability.
Illustrative Examples: Any numerical examples, penalty illustrations, historical references, or hypothetical scenarios are provided for explanatory purposes only.
They are not predictions or projections of likely outcomes and are not based on an examination of the specific facts, transactions, service arrangements, or fiduciary processes of any particular plan.
Regulatory Discretion: All statutory penalties, excise taxes, and enforcement remedies referenced are subject to regulatory discretion, mitigation programs, correction procedures, statute-of-limitations rules, settlement practices, and fact-specific determinations.
Actual assessments, if any, may be higher, lower, or zero, depending on the circumstances and any corrective actions taken.
No Reliance; No Professional Relationship: This report should not be relied upon as a basis for any investment, legal, tax, fiduciary, or business decision. Use of this assessment does not create an attorney-client, advisor-client, auditor-client, fiduciary, or other professional relationship.
Langan Financial Group, LLC, its affiliates, and representatives do not assume any duty of care, fiduciary responsibility, or advisory obligation as a result of providing this assessment.
User-Provided Information: This assessment is based solely on information self-reported by the user. No independent verification, audit, or validation of the accuracy or completeness of such information has been performed. Results and classifications may be materially affected by incomplete, inaccurate, or omitted information.
No Guarantee of Outcome: Nothing in this report should be interpreted as a guarantee, prediction, or assurance regarding audit selection, regulatory inquiry, enforcement action, litigation outcome, penalty amount, settlement result, or financial impact.
Limitation of Liability: To the fullest extent permitted by law, Langan Financial Group, LLC disclaims any liability for direct, indirect, incidental, consequential, or special damages arising from the use of or reliance upon this assessment.
COMPOUNDING RISK ANALYSIS: When multiple fiduciary failures exist within the same category or across related areas, overall risk exposure may compound significantly.
In certain cases, courts and the Department of Labor have found that patterns of unresolved governance gaps may indicate systemic process weaknesses, potentially leading to broader remediation requirements and heightened regulatory scrutiny.
Assessment Result: Based on your responses, no category escalation indicators were identified.
COMPOUNDING RISK ANALYSIS: When multiple fiduciary failures exist within the same category or across related areas, overall risk exposure may compound significantly. Courts and the Department of Labor have, in certain cases, found that patterns of unresolved governance gaps could indicate systemic process weaknesses, which may lead to broader remediation requirements and heightened scrutiny. Based on your assessment, no category escalation indicators were identified.
Testimonials reflects the experiences of a current or former clients of Langan Financial Group, LLC. The clients were not compensated for these testimonials, and no material incentives were provided in exchange for the statements. Individual experiences may vary, and these testimonials are not indicative of future performance or success. Investing involves risk, including the potential loss of principal. No testimonial should be construed as a guarantee of any specific investment, planning outcome, or financial result.
Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Cambridge and Langan Financial Group, LLC. are not affiliated. Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC, to residents of: AL, AZ, CO, DE, FL, GA, KY, MD, NJ, NM, NY, NC, OH, PA, RI, TX, VA Cambridge and Langan Financial Group does not offer legal advice. Estate planning services are in regards to your overall financial plan. Always be sure to speak to a legal professional in regards to specific legal matters. Fixed insurance services offered through Langan Financial Group. https://www.joincambridge.com/investors/cambridge-disclosures/form-crs/
© Langan Financial Group
Harrisburg, PA Office
Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880
York, PA Office
Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085