JR Galicha — Roth Conversion & Retirement Income Specialist

About JR

I'm not here to sell you something. I'm here to help you understand your options.

My name is JR Galicha. I'm a licensed insurance professional based in Folsom, California, with nearly a decade of experience helping families navigate retirement income, annuity strategy, and tax-efficient planning.

Before financial services, I spent years as a VP of Operations in Northern California's commercial flooring industry. That background taught me how to think through complex decisions, communicate clearly, and cut through noise to find what actually matters.

I bring that same mindset to every client conversation. Not a pitch — a clear explanation of where you are, where you're headed, and what your real options look like.

My specialty is the Roth conversion conversation — the planning approach most families never had with their previous advisor. Done correctly and at the right stage, it can be the single most impactful tax decision you make in retirement.

JR Galicha

Licensed Insurance Professional · Folsom, CA · NPN 18425438

The Conversation Most Advisors Skip

Your IRA isn't fully yours. Not yet.

Every dollar sitting in a traditional IRA or 401(k) has a silent partner: the IRS. The government gets paid when you take income in retirement — and if your kids inherit the account, they could face a crushing tax bill on a compressed timeline.

A properly structured Roth conversion strategy can change that equation. It's not for everyone, and timing matters enormously. But for the right family, it's often the highest-impact planning decision they make — and it's almost always the conversation they never had.

I'll walk you through the math in plain English, show you what the tax picture looks like across different scenarios, and help you decide if a conversion makes sense for your situation. Zero pressure.

Let's Run Your Numbers

37%

Top federal rate your heirs could face on an inherited IRA under the 10-year rule

Federal income tax on qualified Roth distributions — if the conversion is done right

What I Help With

Areas of focus

Roth Conversion Strategy

Multi-year planning to reduce your lifetime tax burden on IRA and 401(k) assets — including bracket management and IRMAA awareness.

Retirement Income Planning

Structuring income you won't outlive, sequenced around your real numbers, Social Security timeline, and spending goals.

Annuity Review & Strategy

Honest review of existing annuities, new annuity options, and 1035 exchange paperwork handled start to finish.

Tax-Efficient Distribution

Sequencing withdrawals across Social Security, RMDs, and investment accounts to minimize what you pay in taxes each year.

Life Insurance & Protection

Protection planning and legacy strategies, including indexed universal life for tax-advantaged accumulation.

Legacy & Inheritance Planning

Helping families pass assets efficiently — with a clear eye on the tax impact for your heirs under current law.

My Approach

Education first. Decision second. Always.

Understand your situation

We start with where you actually are — your accounts, income sources, timeline, and what you're trying to protect or pass on.

Show you the full picture

I walk you through the tax math, the options, the tradeoffs, and what each path looks like over time — in plain English, not industry jargon.

You decide with clarity

Whatever you choose, you choose it with confidence. No artificial urgency. No pressure. Just a clear understanding of your options.

Who I Work Best With

This conversation is for you if...

You're within 5–10 years of retirement, or already retired, with $250K or more in qualified accounts

You've never had a real conversation about how taxes in retirement will affect your income — or your heirs

You want a second opinion on an existing annuity, life insurance policy, or Roth conversion strategy

You're serious about protecting what you've built — for yourself and for your family

You want clarity, not a pitch — and you're ready to have the conversation you've been putting off

Next Step

Let's have a real conversation.

Schedule a complimentary 20-minute call. We'll talk through your situation, what you're trying to protect, and whether I can help. No obligation whatsoever.

Schedule a Call with JR The call is complimentary. There is no obligation to move forward.