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?

 
   
   
Insured Wealth Management, LLC
6860 N. Dallas Parkway
Suite 200
Plano, TX 750246
972-381-2778

6800 Heritage Parkway
Suite 200
Rockwall, TX 75087
972-412-6064
Phone: 972-381-2778 Plano Office
972-412-6064 Rockwall Office		 • Fax: 972-265-7937
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Marc Helfrich, Idolina Shumway & Rick Lucas are Registered Representatives - Securities and Advisory Services Offered Through Veritrust Financial L.L.C.  Broker/Dealer.
Member FINRA/MSRB/SIPC. SEC Registered Investment Advisor.              
Robert C. Badali is an independent Investment Advisor registered with the Texas State Securities Board.  Insured Wealth Management and Veritrust Financial L.L.C. are unaffiliated entities.
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