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?

 
   
   
Physician Financial Services
250 Crossways Park Drive • Woodbury, NY • 11797
Phone: (516) 677-6211 or Toll-Free at (800) 481-6447 • Fax: (516) 677-7911
• Lkeller@physicianfinancialservices.com

Lawrence B. Keller is a Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS).  Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor.  Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY.  PAS is an indirect, wholly owned subsidiary of Guardian.  Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC. 

The Registered Representative is securities licensed in CA, CT, DE, FL, NC, NJ, OH, NY, PA and insurance licensed all all states (CA insurance license #0C37340, MN insurance license #20498309).  The material is strictly intended for individuals residing in those states.  No offers may be made or accepted from any resident outside these specified states.

Harry R. Wigler is a Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY and is insurance licensed in CT, FL, GA, HI, IL, MA, MD, NJ, NY, PA, TX and WA.  No offers may be made or accepted from any resident outside these specified states.

Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice.  Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

The information or opinions contained in the Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitition of an offer to buy any particular investment product.  The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside.  Any subsequent direct communication with a consumer and/or prospective client shall on be conducted by a representative that is registered in the state where the consumer and/or prospective client resides.

GEAR Approval 2011-6273