Roth Conversion Tax Comparison

Assumptions

Scenario Inputs

Advanced Tax Settings

Tax Bracket / Deduction Increase (%) IRMAA Filing Status Medicare Start Age Other Annual MAGI

Client + IRA

Client Name Advisor Current Age Spouse Current Age Show Widow(er) Tax Penalty Age of Spouse Death Include Beneficiary Info Beneficiary Age Number of Beneficiaries Beneficiary Filing Status Beneficiary Household Income Each Inherited IRA Distribution Period Beneficiary Federal Tax Rate (%) Beneficiary State Tax Rate (%) Initial IRA Balance Bonus (%)

Taxes on Conversion

Conversion Years Custom Annual Roth Conversion Conversion Tax Rate (%) Federal Tax Rate (%) State Tax Rate (%) Roth Return (%) Roth Annual Fee (%) Pay Taxes w/ Outside Assets

Roth IRA In Retirement

Roth Income Stream Income Inflation (%) GLWB Annuity

Taxes at Retirement

Mode

IRA Return (%) IRA Annual Fee (%) Retirement Age Tax Rate at Retirement (%) Federal Tax Rate at Retirement (%) State Tax Rate at Retirement (%) Income Inflation (%) Projection End Age

Other Assets

Starting Other Assets Other Assets Return (%) Other Assets Tax Drag (%) Other Assets Gain Tax Rate (%) Other Assets Estate Tax Rate (%) Step-Up Other Assets Income From Other Assets Estate Transfer Mode: Save IRA Distributions / RMDs

Planning Stories

Tax Comparison Snapshot

Age 90

--Total IRA Taxes

--Roth Conversion Taxes

--Tax Advantage

--Total IRMAA Surcharge Advantage

Annual Roth Conversion--

Solved Gross Income--

Projected Roth Value--

No-Conversion IRA Left--

Tax Strategy

Projected Taxes + IRMAA

Through age 90

IRA + outside asset taxes + IRMAA Roth conversion taxes + IRMAA

--Roth Estate Value

--IRA Estate Value

--Estate Advantage

Estate Transfer

Projected Estate Value

Through age 90

Roth estate value IRA estate value

Beneficiary Projection

Inherited IRA 10-Year Projection

Even 10-year withdrawal

IRA Beneficiary Taxes--

IRA Total Inheritance--

Roth Total Inheritance--

Beneficiary Net Advantage--

This projection starts from the estate endpoint, includes outside assets, and saves inherited IRA / Roth distributions into the outside-assets bucket. It focuses only on federal and state taxes on inherited IRA withdrawals and does not model beneficiary IRMAA, Social Security taxation, ACA credits, NIIT, or other household interactions.

Income Strategy

Cumulative Projected Income

Through age 90

Cumulative IRA + other assets income Cumulative Roth + other assets income

Consideration

Cliff Map

Open Full Page

Client Output

Roth Conversion Report Preview

Roth Conversion Analysis

Tax Comparison Report

Tax comparison through age 90

Prepared forClient

AdvisorAdvisor

Initial IRA Starting Value--

Current Age--

Projection Through--

--Total IRA Taxes

--Roth Conversion Taxes

--Tax Advantage

--Total IRMAA Surcharge Advantage

--Roth Estate Value

--IRA Estate Value

--Estate Advantage

Projected Estate Value

Through age 90

Roth estate value IRA estate value

Cumulative Projected Income

Through age 90

Cumulative IRA + other assets income Cumulative Roth + other assets income

Beneficiary Inheritance Projection

10-year inherited IRA projection

IRA inheritance Roth inheritance

Projected Taxes + IRMAA

Through age 90

IRA + outside asset taxes + IRMAA Roth conversion taxes + IRMAA

Hypothetical projection based on stated assumptions. This is not tax, legal, or investment advice. Consult qualified professionals before making Roth conversion decisions.