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?

 
   
   
DDownsFinance
243 A Shipley Street • San Francisco, CA • 94107
Phone: 415-875-9427
Toll free 888-792-6580
Cell phone: 510-388-9305 		• Fax: 415-875-9427
• denisedowns@ddownsfinance.com

 

Securities and advisory services offered through KMS Financial Services Inc.,  
2001 Sixth Avenue, Suite 2801, Seattle, WA  98121-9833  (206) 441-2885 

Investment regulations including SEC and FINRA (www.finra.org) registration requirements limit the dissemination of information on investments and services.  Therefore, access to this site is intended for and limited to individuals residing in the states in which Denise Downs is FINRA and/or SEC Registered or exempt.  Denise is a Registered Representative and Investment Advisor Representative of KMS Financial Services, Inc., a FINRA member firm securities licensed in all 50 states.  This office, through Denise Downs, is registered for securities business with residents of CA, WA, MT, AK, and VA.  Likewise, fee-based advisory services are available to residents of CA and WA.  By proceeding further you acknowledge that you have read the disclosures above and that you area a resident in a state in which we are registered to conduct business.   

 

 

 

 

 

 

 

 

"Securities and advisory services offered through KMS Financial Services, Inc." 

Past performance is not indicative of future results.

 

Privacy Policy