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?

 
   
   
Van De Hey Financial
311 East Ann Street Suite 2
 • Kaukauna, WI • 54130
Phone: 920-766-9988 • Fax: 920-766-6626

David Van De Hey is licensed in WI to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in IA, IN, MD, MO, NE, UT, and WI and adviser registered in WI.  Andrew Van De Hey is licensed in WI to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in WI.  Corey Grimes is licensed in WI to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in TX and WI and adviser registered in WI and TX.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: David Van De Hey, Andrew Van De Hey, and Corey Grimes may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if he is excluded or exempted from the state's registration requirements.  Follow-up, individualized responses to consumers in a particular state by David, Andrew or Corey that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion.  For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution he represents, contact your state securities law administrator.

Insurance issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, the companies available through the Preferred Product Network, Inc., and/or through many fine carriers.  Securities and advisory products offered through Princor Financial Services Corporation, 800/247-1737, member SIPC.  Principal National, Principal Life, the Preferred Product Network, and Princor® are members of the Principal Financial Group®, Des Moines, IA 50392.  David Van De Hey, Principal National and Principal Life Financial Representative, Princor Registered Representative, Financial Advisor.  Andrew Van De Hey, Principal National and Principal Life Financial Representative, Princor Registered Representative.  Corey Grimes, Princor Registered Representative, Financial Advisor.  Van De Hey Financial Services, Inc. is not an affiliate of any company of the Principal Financial Group®.

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