Free Roth Conversion Advice Isn't Free

Hey, don't pay the conversion tax with your own money. Let our plan pay it for you. It's an appealing sentence. So look at what has to be true for it to work. Your money has to move into something they sell. Every half million dollars that goes into that annuity, which is normally what's behind that statement, typically that half a million dollars generates somewhere around $35,000 in upfront commissions for the person who gave you the free advice. Look, that's not advice with a product attached. That's a product with advice attached. The advice exists to move you toward the product. If you don't buy the product, the advice was never going to be given. And in the end, really is your money taken from the product earnings or bonuses that pay the tax. The bonuses just mean you have to tie the money up even longer. Look, no one is giving you money without something expensive in return. So just ask one question and the whole thing resolves. Ask this. If I do nothing with this free advice, do you get paid?