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?

 
   
   
DS Financial Advisors, Inc.
902 Perry Highway, 1st Floor • Pittsburgh, PA • 15229
Phone: 412-366-0900 • Fax: 412-366-0905
• dschleis@cfiemail.com

DS Financial Advisors, Inc.

902 Perry Highway, Pittsburgh, PA 15229
Phone: 412-366-0900  Toll Free: 800-345-2126 Fax: 412-366-0905 

Securities and advisory services offered through Centaurus Financial, Inc. a registered investment advisor member FINRA and SIPC. Supervisory office: 801 Sycolin Road SE, Suite 302, Leesburg, VA 20175, 800-699-0299. DS Financial Advisors, Inc. and Centaurus Financial, Inc. are not affiliated companies. This is not an offer to sell securities, which may be done after proper delivery of a prospectus and client suitability has been reviewed and determined. Information relating to securities is intended for use by individuals residing in PA.
 

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