Roth Conversion Analysis — DMI Marketing

Case inputs

Results update as you type.

Household

Client name

State

Client age

Spouse age

Filing status

State income tax %

Heirs' tax rate %

Assets & income

IRA / 401(k)

Spouse IRA

Taxable account

Other income /yr

Client SS /yr

Spouse SS /yr

SS claiming age

First death at age

Conversion strategy

How much to convert

Fill to the top of

Conversion window yrs

Pay the tax from

Annuity contract

Premium bonus %

Bonus vesting yrs

Annuity bonus fee %

Fee charged for

Crediting basis

GLWB rider fee %

Free withdrawal %

The bonus fee is an annual charge some carriers levy for a premium bonus, separate from and on top of the rider fee. Enter 0 if the contract has none. Modelled against the accumulation value — check whether the carrier assesses it there or on the benefit base.

Contract terms are placeholders. Replace them with the illustrated values from the carrier before this is shown to a client.

Assumptions

Assumed rate of return 6.0%

Inflation / bracket indexing 2.5%

Project to age

Return pattern