Roth Conversion Tax Comparison

Assumptions

Scenario Inputs

Client + IRA

Client Name Advisor Current Age Client Sex Household Spouse Current Age Spouse Sex Show Widow(er) Tax Penalty

Use L/E @ 50% Use L/E @ 25%

Uses each person's individual survival age from the Longevity Risk calculation. Leave both unchecked to enter custom death ages.

Client Age of Death Age of Spouse Death Flat Beneficiary IRA Tax Rate (%) 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 Target 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

IRMAA

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

Planning Stories

Tax Comparison Snapshot

Age 90

--Total IRA Taxes

--Roth Conversion Taxes

--Tax Advantage

--Total IRMAA Surcharge Advantage

--Estate 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.

--Cumulative After-Tax IRA Income

--Cumulative Roth IRA Income

--Cumulative Income Advantage

Income Strategy

Cumulative Projected Income

Through age 90

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

Consideration

IRMAA 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

--Estate Advantage

--Roth Estate Value

--IRA Estate Value

--Estate Advantage

--Cumulative After-Tax IRA Income

--Cumulative Roth IRA Income

--Cumulative Income Advantage

IRA Beneficiary Taxes--

IRA Total Inheritance--

Roth Total Inheritance--

Beneficiary Net 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.

01Market RiskSequence and conversion timing

02Longevity RiskIncome must last for an uncertain horizon

03Tax RiskFuture rates and distribution control

Retirement Risk Consideration

Plan beyond the 50% survival point

Survival probabilities based on current age and sex.

Included with GLWB

Probability Alive by Attained Age

Client attained age

50% is a checkpoint, not a finish line

At the median survival point, half of a comparable population is still alive. Funding retirement only to that age leaves the longer-lived half exposed.

Test the longer 25% horizon

Roth-conversion value and durable retirement income should also be evaluated through the age where survival remains 25%, especially when guaranteed lifetime income is part of the plan.

Educational planning estimate using a population period life table. It is not a personalized actuarial projection, medical assessment, guarantee, tax opinion, or product recommendation.

Preparing your secure workspace…

Roth Conversion Planning Dashboard

Scenario Inputs

Tax Comparison Snapshot

Projected Taxes + IRMAA

Projected Estate Value

Inherited IRA 10-Year Projection

Cumulative Projected Income

IRMAA Cliff Map

Roth Conversion Report Preview

Tax Comparison Report

Projected Estate Value

Cumulative Projected Income

Beneficiary Inheritance Projection

Projected Taxes + IRMAA

Plan beyond the 50% survival point

Probability Alive by Attained Age

Choose Report Content

Report Format

Planning Strategy

Considerations