Roth IRA Conversion  
When Congress created the Roth IRA, millions of Americans who already had traditional IRAs faced a new decision: “Should I convert to a Roth IRA?” Traditional IRAs feature deductible contributions, and withdrawals are taxed as income. Roth IRA contributions, on the other hand, are not tax deductible, although qualified withdrawals of both contributions and earnings from a Roth IRA are free of federal income tax. One issue to consider is that if you convert your traditional IRA to a Roth IRA, you will owe current federal income tax on the amount you convert. This calculator is designed to help you determine whether you should consider converting to a Roth IRA.
     

1. What is your current age?

2. What is the current balance of your IRA?

$

3. What pre-tax return do you expect on your IRA investments (0 to 10 percent)?

%

4. What marginal tax bracket do you expect to be in during your working years?

5. At what age do you expect to begin withdrawing funds from your IRA? (Enter a number between 60 and 70, but at least five years from your current age.)

6. What pre-tax return do you expect on your investments once withdrawals begin (0 to 10 percent)?

%

7. What marginal tax bracket do you expect to be in during your retirement years?

 
   
   
FINANCIAL PLANNING UNLIMITED, INC.
4545 N. 12th Street • Phoenix, AZ • 85014
Phone: 602-274-0371 • Fax: 602-274-5171
• info@fpuinc.com

Jeff C Peterson is a registered representative of ProEquities, Inc. Securities offered through ProEquities, Inc. a registered broker/dealer and member FINRA and SIPC. Jeff C Peterson is an Investment Advisor Representative with advisory services offered through Investment Advisors, a division of ProEquities, Inc., a Registered Investment Advisor (800) 288-3035 ProEquities home office is located at 2801 Highway 280 South, Birmingham, AL 35223 Financial Planning Unlimited, Inc. is independent of ProEquities, Inc. Jeff C Peterson holds Series 7, 24, 63, and 66 in AZ, CA, KS, KY, NM, TN, TX, UT, VA, WA, WI.