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?

 
   
   
Wm Sunderland, CPA, PC
4243 NE Lakewood Way,
Suite 101
 • Lee's Summit, MO • 64064-1994
Phone: (816) 350-9800 • Fax: 816.795.8805
• info@wmsunderlandcpa.com

4243 NE Lakewood Way Suite 101, Lees Summit, MO 64064
Phone: 816-350-9800   Fax: 816-795-8805   Email: info@wmsunderlandcpa.com

William Sunderland is a registered representative registered to transact business with clients in Arkansas, California, Colorado, Kansas, Missouri, North Carolina, and Ohio. William Sunderland is also an Investment Advisor Representative licensed in Kansas and Missouri. William Sunderland is also an insurance agent licensed in Kansas and Missouri. If you are not a resident of the states noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities, investment advisory services or insurance services over the internet. Securities offered through H.D. Vest Investment ServicesSM, Member: SIPC Advisory Services offered through H.D. Vest Advisory ServicesSM, , 6333 North State Highway 161, Fourth Floor, Irving, TX 75038, 972-870-6000

Investments & Insurance Products: Are not insured by the FDIC or any federal government agency.  Are not deposits of or guaranteed by the bank or any bank affiliate.  May lose Value.

WM Sunderland, CPA, PC is not a registered broker/dealer or independent investment advisory firm.