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Steven Cheshire, CFA

Independent Researcher

SCHOLARLY PAPERS

3

DOWNLOADS

138

TOTAL CITATIONS

0

Ideas:
“  RothGPT.com (available in beta) Highly specialized, detailed and easy to use Roth Conversion decision making tool. Working on a paper that quantifies the tax-drag avoidance alpha of moving taxable funds into a tax-free retirement wrapper. This extends to a Roth conversion's Synthetic Roth Contribution component as well as the conversion induced reduction in future RMDs that would otherwise have been reinvested in a taxable account. This dual conversion alpha framework tracks these future positive cashflows and discounts back to PV for improved Roth conversion decision making.  ”

Scholarly Papers (3)

1.

Roth Conversion Valuation & Mechanics

Number of pages: 23 Posted: 09 Jun 2025
Steven Cheshire CFA
Independent Researcher
Downloads 97 (720,278)

Abstract:

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2.

The Synthetic Roth Contribution: Empirical and Algebraic Proofs of a Hidden Component in Outside-Funded Roth Conversions

Number of pages: 18 Posted: 20 May 2026
Steven Cheshire CFA
Independent Researcher
Downloads 40 (1,196,171)

Abstract:

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Synthetic Roth Contribution, Roth conversion, BETR, Wrapper migration, Tax drag, Retirement planning, Outside-funded Roth conversion, RMD, NPV, Tax-Rate Arbitrage

3.
Downloads 1

Abstract:

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Tax Drag, Roth conversion, retirement planning, tax planning, tax drag shelter, BETR, RMD, conversion breakeven