WordPress plugin

Every author signal Google's raters look for, from one plugin.

Verand Author Bio Pro puts a credentialed byline, a reviewer, a real author page and a connected schema graph on a WordPress site. One install, one settings screen, no developer.

One licence key, one site, billed annually. Your key arrives by email. There is no account and no dashboard to log in to.

Already a Verand customer? Check your plan first. It is included on Professional, Agency and Managed, and an add-on inside your existing subscription on Starter and Growth.

harborvale.com/insights/roth-conversion-five-year-rule
Home / Insights / Retirement tax planning
RETIREMENT TAX PLANNING

Roth Conversions After 60: what the five-year rule actually means

Two different five-year clocks apply to a Roth conversion, and only one of them decides whether your withdrawal is penalty free.

Harbor & Vale content follows strict guidelines for editorial accuracy and integrity. Learn more about our editorial process.
Updated: March 4, 2026 · 11 min read

The conversion clock and the account clock are frequently discussed as if they were one rule. They are not. The account clock starts once, with your first Roth contribution of any kind. The conversion clock restarts with every conversion you make.

Each converted amount carries its own five-year window before the ten percent early distribution penalty stops applying, which is why the ordering of withdrawals matters more than the balance.

Two clocks means two questions, and the answers rarely land on the same date. The one that governs a given withdrawal depends on what you are withdrawing and when it entered the account.

ABOUT THE AUTHOR
EM
Elena Marsh, CFP
Lead Financial Planner, Retirement Income & Tax · Harbor & Vale

Elena leads retirement income planning at Harbor & Vale, where she has written more than four hundred distribution plans for households entering their first decade of retirement. She holds the CFP marks and spent six years in tax practice before moving to advice.

CFPCFP BoardSeries 65FINRA
LinkedIn@elenamarshcfpContactSee Elena's other posts
Sources
  1. Internal Revenue Service, Publication 590-B
  2. Internal Revenue Service, Topic no. 557
Reviewed by Priya Raman, CPA on March 2, 2026.
EM
Elena Marsh, CFP
Lead Financial Planner, Retirement Income & Tax
CFPCFP BoardSeries 65FINRA

Eighteen years of retirement income planning, and four hundred distribution plans written.

Articles follow our editorial process. Content is educational and is not individual advice.
LinkedIn@elenamarshcfpContactView profile
PR
Priya Raman, CPA
Director of Tax
CPACertificationEnrolled AgentIRS

Reviews every tax article before publication. Twelve years in private practice before moving in house.

Articles follow our editorial process. Content is educational and is not individual advice.
LinkedInContactView profile
LEAD FINANCIAL PLANNER
Elena Marsh, CFP
Retirement Income & Tax Planning · Harbor & Vale
LinkedIn@elenamarshcfpContact
EM
CREDENTIALS
CFPCertification · CFP BoardSeries 65Licence · FINRA
PERSON SCHEMA ON THIS PAGE
{ "@type": "Person", "name": "Elena Marsh, CFP", "jobTitle": "Lead Financial Planner", "knowsAbout": ["Roth conversions", ...], "hasCredential": [{ "name": "CFP", "recognizedBy": "CFP Board" }], "worksFor": { "@id": ".../#organization" } }
ARTICLES BY ELENA
Roth Conversions After 60: what the five-year rule actually means
Mar 4, 2026 · 11 min read
The RMD sequencing mistake that costs more than the tax
Feb 18, 2026 · 9 min read
Qualified charitable distributions, start to finish
Jan 27, 2026 · 7 min read
Byline popover, the writer
7schema types emitted, cross referenced by @id
8elements, each a Gutenberg block and an Elementor widget
1plugin to install, configure and keep updated
0front-end licence calls, so a licence problem cannot slow a page
harborvale.com/author/elena-marsh/
generated by the plugin
LEAD FINANCIAL PLANNER
Elena Marsh, CFP
Retirement Income & Tax Planning · Harbor & Vale
LinkedIn@elenamarshcfpContact
EM
ABOUT ELENA

Elena leads retirement income planning at Harbor & Vale, where she has written more than four hundred distribution plans for households entering their first decade of retirement. She holds the CFP marks and spent six years in tax practice before moving to advice.

EXPERIENCE
  • Certified Financial Planner since 2011
  • Lead Financial Planner, Harbor & Vale
  • Former tax associate, mid-market CPA practice
  • 18 years advising households in retirement
  • 410 retirement income plans written
EXPERTISE
Retirement incomeRoth conversionsRMD sequencingSocial Security timingTax-loss harvestingQualified charitable distributionsMedicare IRMAA
CREDENTIALS
CFPCertification · CFP Board
Series 65Licence · FINRA
A distribution plan that ignores the order of withdrawals is a tax plan written by accident.
Editorial standards Elena's articles follow our editorial process, sourced from primary tax guidance, government publications and direct client work. Content is educational and is not individual investment advice.
ARTICLES BY ELENA
Roth Conversions After 60: what the five-year rule actually means
Retirement tax planning · Mar 4, 2026 · 11 min read
The RMD sequencing mistake that costs more than the tax
Retirement income · Feb 18, 2026 · 9 min read
Qualified charitable distributions, start to finish
Charitable giving · Jan 27, 2026 · 7 min read
Profile last reviewed March 1, 2026
The differentiator

The author page, not the author box

Author-bio plugins append a small box to the end of a post. WordPress itself gives you an author archive with no bio, no credentials and no design. Neither is the surface a reader checks before deciding whether to trust advice about their money or their health.

  • Hero with role, organisation and contact links
  • Long bio, experience list and expertise pills
  • Structured credentials that also become hasCredential
  • Featured pull quote and an editorial-standards statement
  • Articles by that author, and a last-reviewed date on the profile itself

The page emits ProfilePage with the author's body of work in workExample.

What installs

Six things arrive with the activation

Nothing here is a second purchase or a companion plugin.

A full author page, not a box

WordPress gives you a bare author archive. The plugin replaces it with a page at /author/{slug}/ carrying a hero, long bio, experience, expertise, structured credentials, a pull quote, an editorial-standards statement and the author's recent articles.

Written by and Reviewed by

A byline card with both roles, rendered from one PHP path whether it arrives as a block, a shortcode or an auto-inject. Labels are editable, so a medical site reads Medically reviewed by and a firm reads Legally reviewed by.

Schema that connects

Person, Article, ProfilePage, Organization, WebSite, BreadcrumbList and FAQPage, cross referenced by @id. Reviewers map to editor, the slot that is valid on Article, and the editorial-process page attaches as publishingPrinciples.

Content blocks in both editors

Breadcrumb, FAQ, Table of Contents, Key Takeaways, Pillar Card and Citations. Each is a Gutenberg block and a native Elementor widget over one render path, so the markup and the schema never drift apart.

An E-E-A-T Health score

A deterministic configuration audit with a score out of 100. No crawl and no model call: it reads your real settings and content across trust pages, author signals, schema, crawlability and delivery. Every gap links to the setting that closes it.

Built for the sites that carry a licence

Financial advisors, law firms, medical practices, accountants and real-estate sponsors. The reviewer workflow, the credential fields and the editorial-process wiring exist because those are the signals quality raters look for on this kind of content.

The admin

A score, then the exact setting that raises it

The E-E-A-T Health tab is the first thing the plugin shows. It is deterministic: no crawl, no model call, just your real settings and content. Every failing row links to the field that resolves it.

WordPress Harbor & Vale★ 0+ New Howdy, Dana
Dashboard
Posts
Media
Pages
Comments
Author Bio Pro
Appearance
Plugins
Settings
Author Bio Pro
84
Good
E-E-A-T configuration score. Deterministic, no crawl and no model call. Computed from your real settings and content.
Trust pages
About pagePublished and linked in the footer.
Editorial processA real page on this site is linked and wired to publishingPrinciples.
Privacy policyPublished.
Terms and disclaimerNo terms or disclaimer page. Especially important for YMYL niches.Fix →
Contact pagePublished.
Author signals
Author profiles4 profiles with a real byline.
Complete profiles3 of 4 authors have a credential.Fix →
Reviewer coverageA Reviewed by resolves automatically for every post.
Schema and identity
Organization logoPublisher logo set.
Organization social profiles4 sameAs URLs.
Schema outputIntegrating author, reviewer and citation into Yoast's Article schema. One Article node.
Crawlability and AI
robots.txtPresent and does not block crawlers from your content.
XML sitemapYoast SEO provides your XML sitemap.
llms.txtNo llms.txt at your web root.Fix →
Delivery and display
Byline auto-injectOn for posts.
End-of-article author boxOn.
Editorial disclaimerShown under each byline.

Presets, not a control panel

Six byline styles, six author-box styles and three avatar shapes, each with a live preview. The accent colour is read from the active theme, so the card looks like part of the site. The visible role labels are yours to write: Medically reviewed by, Legally reviewed by, Fact-checked by. The label changes the card, never the schema slot.

WordPress Harbor & Vale★ 0+ New Howdy, Dana
Dashboard
Posts
Media
Pages
Comments
Author Bio Pro
Appearance
Plugins
Settings
Author Bio Pro
Byline
CardsInlineMinimalRuleStackedCompact
CircleRoundedSquare
#1E5640detected from your theme
Live preview
Save changes

The author record is a form, on purpose

The block editor is switched off for author records, so adding a person is a focused profile form rather than a blank canvas asking you to choose a block. Guest authors need no WordPress login, which is what you want for a reviewer or an outside expert.

  • Credentials as name, category and recognised-by, feeding hasCredential
  • Expertise kept separate from the visible pills, feeding knowsAbout
  • Link a profile to a WordPress user, or import your users in one click
WordPress Harbor & Vale★ 0+ New Howdy, Dana
Dashboard
Posts
Media
Pages
Comments
Author Bio Pro
Appearance
Plugins
Settings
Add author Author Bio Pro
This is a profile form, not a blank canvas. The block editor is switched off for author records.
Profile
Expertise knowsAbout
Retirement income×Roth conversions×RMD sequencing×Social Security timing×+ Add
Credentials hasCredential
NameCategoryRecognised by
CFPCertificationCFP Board×
Series 65LicenceFINRA×
+ Add credential
Publish
Status: DraftPublish
Headshot
EMSet headshot
Links sameAs
WordPress user
Not linked. Guest authors never need a login.
In the editor

Place it, or let it place itself

The byline and the author box can inject automatically on posts, or be placed by hand. Writer, reviewer and contributors are set in the document sidebar, and the reviewer can resolve on its own from the strategy you picked.

+ ↶↷ Roth Conversions After 60 · Post Save draftPublish
Verand
VAuthor CardWritten by and Reviewed by
VAuthor BoxEnd of article
VBreadcrumbBreadcrumbList
VFAQFAQPage
VTable of ContentsOn this page
VKey TakeawaysSummary
VPillar CardSilo link
VCitationsArticle.citation
Roth Conversions After 60
Author Card
The conversion clock and the account clock are frequently discussed as if they were one rule. They are not.
Key takeaways
  • The account clock starts once, with your first Roth contribution.
  • Each conversion starts its own five-year clock.
  • Order of withdrawal decides the penalty, not the balance.
Two clocks means two questions, and the answers rarely land on the same date.
PostBlock
Author & Reviewer
Authors
Search authors
EMElena Marsh, CFP×
Reviewer
PRPriya Raman, CPA×
Strategy: swap with author
Contributors
JTJonah TellerFact-checker×
Breadcrumb
Pillar
Retirement tax planning
Renders above the title. Yoast's own breadcrumb is suppressed so there is exactly one.
Structured data

One graph, and the reviewer in the valid slot

Most manual setups put the reviewer in reviewedBy. It is not valid on Article and it fails Google's Rich Results test. The plugin uses editor, keeps the display label separate from the schema slot, and links people by @id rather than as strings.

<script type="application/ld+json">one graph, one Article node
{ "@context": "https://schema.org", "@graph": [ { "@type": "Person", "@id": "https://harborvale.com/author/elena-marsh/#person", "name": "Elena Marsh, CFP", "jobTitle": "Lead Financial Planner", "knowsAbout": ["Roth conversions", "RMD sequencing"], "hasCredential": [{ "@type": "EducationalOccupationalCredential", "name": "CFP", "credentialCategory": "Certification", "recognizedBy": { "@type": "Organization", "name": "CFP Board" } }], "sameAs": ["https://www.linkedin.com/in/elenamarsh"], "worksFor": { "@id": "https://harborvale.com/#organization" } }, { "@type": "Article", "@id": "https://harborvale.com/insights/roth/#article", "headline": "Roth Conversions After 60", "datePublished": "2026-01-12", "dateModified": "2026-03-04", "author": { "@id": ".../author/elena-marsh/#person" }, // the reviewer goes in editor, never in reviewedBy "editor": { "@id": ".../author/priya-raman/#person" }, "contributor": [{ "@id": ".../author/jonah-teller/#person" }], "publishingPrinciples": ".../editorial-process/", "citation": [{ "@type": "CreativeWork", "name": "Publication 590-B" }], "publisher": { "@id": "https://harborvale.com/#organization" } }, { "@type": "BreadcrumbList", "itemListElement": [ ... ] }, { "@type": "FAQPage", "mainEntity": [ ... ] }, { "@type": "Organization", "@id": ".../#organization" }, { "@type": "WebSite" } ]}
on /author/elena-marsh/the body of work
{ "@type": "ProfilePage", "mainEntity": { "@id": ".../author/elena-marsh/#person", "workExample": [ { "@type": "Article", "name": "Roth Conversions After 60" }, { "@type": "Article", "name": "The RMD sequencing mistake" } ] }}

Where each piece comes from

  • hasCredential from the credentials repeater on the author
  • knowsAbout from the expertise field, kept separate from the visible pills
  • editor from the reviewer, whatever the label says
  • publishingPrinciples from your editorial-process page
  • citation from the Citations block, in either editor
  • dateModified from the same field that prints the meta bar
Compatibility

It joins the site you already run

The plugin is written to complement what is already installed rather than compete with it.

Editors
Every element ships twice: a Gutenberg block and a native Elementor widget under a Verand category. Both run one shared render path in PHP, so the markup and the schema are identical whichever editor built the page. Classic and page-builder layouts can use the shortcodes instead.
SEO plugins
Yoast and Rank Math are detected automatically. Integrate mode adds author, reviewer, contributor and citation data to their Article node instead of emitting a second one. With no SEO plugin present the plugin emits the whole graph itself and provides its own meta title and description.
Themes
The author page inherits your theme's header and footer, and the plugin styles only its own sections. The accent colour is read from the active theme, so the byline looks like it belongs on the site rather than like a plugin dropped on top of it. Three avatar shapes, six byline styles and six author-box styles, all with a live preview.
Multi-author sites
Several authors per post with drag to reorder, the first being the primary author. Contributors carry roles. Reviewers resolve by one of three strategies you pick once: manual per post, swap with author for two-person teams, or a single site-wide default. Guest authors need no login, and existing WordPress users import in one click.
Requirements
WordPress 5.8 or newer, PHP 7.4 or newer with 8.0 or newer recommended. Delivered as a zip with its own update channel and licence key, not through the WordPress plugin directory.
Pricing

Two routes to the same plugin

Buy it for a WordPress site on its own, or add it to the Verand subscription you already have. The higher Verand plans include it.

On its own
For any WordPress site
$139per year, per site

Billed annually, which is how the WordPress plugin market works. Updates and the licence server included. One licence key, one seat per site.

  • Every feature on this page
  • Licence key, zip download and its own update channel
  • Deactivating a site frees its seat and keeps the key, so moving a site never burns the cap
  • Your pages keep rendering even if the licence lapses
Buy Author Bio Pro, $139 a year
Inside Verand
Already a Verand customer? Check your plan first
Checkbefore you buy above

On Professional, Agency and Managed it is already included, so buying it here would be paying twice. On Starter and Growth it is an add-on inside the subscription you already have, at the interval you already pay, and it lands on your existing invoice rather than making a second one. Each unit covers two sites.

  • Included on Professional, Agency and Managed, across every site those plans cover
  • Licence key and download in Settings, Plan and Usage. No separate checkout
  • The Verand publisher sends the body, the plugin owns the byline and the schema
Open Plan and Usage

Bought it here and subscribed to Verand later? On Professional and above the licence is absorbed automatically: the unused part of the year is refunded, the standalone renewal stops, and the key you already have keeps working, so the WordPress sites using it never need touching.

Verand planAuthor Bio ProWhat that means
Starter $149/moAdd-on$15 per month or $139 per year, two sites per unit
Growth $299/moAdd-on$15 per month or $139 per year, two sites per unit
Professional $599/moIncludedAll five sites the plan covers
Agency $1,299/moIncludedAll twenty five sites the plan covers
Managed $2,500+/moIncludedEverything is included

An included licence covers exactly the sites the plan covers. Prices are USD.

Questions

The ones that decide it

What schema do the Written by and Reviewed by cards produce?

Your author becomes a Person node carrying jobTitle, knowsAbout, hasCredential, sameAs and worksFor, and the article links to it by @id rather than as a plain string. Your reviewer becomes a second Person node linked as Article.editor. We deliberately use editor and not reviewedBy, which is not valid on Article and fails Google's Rich Results test.

How do I buy it, and what does the key cover?

Standalone it is $139 a year for one site, paid annually. You get a licence key and the zip, and the key activates that site against the licence server. Deactivating a site frees its seat and keeps the key, so moving to a new host or a new domain never burns the cap. If you are already on Verand it is included on Professional, Agency and Managed across every site those plans cover, and an add-on at $15 a month or $139 a year on Starter and Growth, where each unit covers two sites.

Is there a free trial?

No. There is one purchase route standalone and one entitlement route inside Verand, and nothing on this page is gated behind a trial period.

Will this duplicate the schema my SEO plugin already emits?

No. In the default Integrate mode the plugin injects your author, reviewer, contributor, credential and editorial-principles data into Yoast's or Rank Math's existing graph, so you end up with one enriched Article node. Standalone mode emits the full graph only when no SEO plugin manages schema, or when you choose it in Settings, Schema and SEO.

Do my authors need WordPress logins?

No. Authors are guest profiles by default, which suits reviewers and outside experts who should never touch your dashboard. You can link a profile to a real WordPress user to inherit their details, or import your existing users as authors in one click.

Can I change Reviewed by to Medically reviewed by?

Yes. The reviewer label is editable and it updates the visible card and the schema together. Contributor roles can be renamed and extended too: editor, fact-checker, researcher, illustrator, photographer, translator.

Does it work with Elementor?

Natively. Every element, the Author Card, Author Box, Breadcrumb, FAQ, Table of Contents, Key Takeaways, Pillar Card and Citations, is registered as a real Elementor widget under a Verand category and runs the same render and schema path as the Gutenberg block.

What happens to my site if the licence lapses?

Your pages keep rendering. A licence check never runs on the front end, so a slow or unreachable licence server cannot affect a visitor's page load. A lapsed licence withholds updates and shows an admin notice. Re-subscribing reactivates the same key, so your sites never have to be re-entered.

What are the requirements?

WordPress 5.8 or newer and PHP 7.4 or newer, with PHP 8.0 or newer recommended. The plugin is delivered as a zip from your dashboard with its own update channel, so it is installed the way any plugin is.

Is this only for regulated sites?

It is built for them, but any site that cares about author credibility benefits. The signals simply matter more where a licence, a fiduciary duty or a professional reputation is attached to the byline.

Verand Author Bio Pro

Give the byline something to stand on

Your authors, your credentials, your editorial process, rendered and structured on your own site. One licence key per site, and deactivating a site frees its seat and keeps the key.

Billed annually, one site per licence. Your key arrives by email, and there is no account to create.

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