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?

 
   
   
Djr Financial Services
2480 Stearns Street • Simi Valley, CA • 93063
Phone: (805) 527-2430 • Fax: (805) 527-6545
• Dan@DJRFS.com

 

 

*Securities and investment advisory services offered through SagePoint Financial, Inc. member FINRA/SIPC and a registered investment advisor. Estate Planning Services offered through Citadel Law Offices Tax Preparation services offered through Skidmore Markell and Company.  These entities, including DJR Financial Services, Inc. are not affiliated with SagePoint Financial, Inc. or registered as a broker-dealer or investment advisor. 

This communication is strictly intended for individuals residing in the states of AZ, CA, CO, FL, IL, NV, OK, OR, TX and WA. No offers may be made or accepted from any resident outside the specific state(s) referenced. 

IMPORTANT CONSUMER INFORMATION
A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

The information offered is for informative purposes only.  No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values. None of this information is to be construed as an offer to buy or sell securities referred to within or otherwise.

Neither the owner(s) of this web site nor SagePoint Financial, Inc. makes any guarantee as to the accuracy or completeness of this information.
 
State Life Insurance Licenses: California 0D71418,  Arizona 962198, Oregon 787866, Washington 802976.