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?

 
   
   
Cost Efficient Investment and Financial Planning - Latitude Financial Group
2150 West 29th Avenue, Suite 320 • Denver, CO • 80211
Phone: 720.881.8741 • Fax: 720.881.8786
• partners@latitudefinancialgroup.com

Criteria for the Newsweek and Denver Magazine awknowledgement was taken from The National Association of Board Certified Advisory Practices' (NABCAP) Premier Advisors List.  NABCAP specifically ranked advisory practices using the following criteria: market affluence, team dynamics (who comprises the team), years of experience, credentials/designations, minimum investable assets to become a new client, planning philosophy, investment philosophy, risk philosophy, typical percentage of alternative investment ownership, fee/cost structure, customer service model, U4/ADV status.  NABCAP has not released the number of practices measured in their survey.  Latitude Financial Group, LLC was charged a fee to participate in the survey.

FIVE STAR Wealth Manager Best in Client Satisfaction (2009 and 2010) exclusive recognition awarded by Crescendo Business Services, includes less than 7 percent of wealth managers in the local area and reflects those scoring highest in client satisfaction. Wealth managers were identified by surveys conducted with consumers and financial professionals, and evaluated across nine attributes: customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting financial objectives, post-sale service, quality of recommendations, and overall satisfaction. Favorable and unfavorable evaluations are included in the score. Each wealth manager is reviewed for regulatory actions, civil judicial actions, and customer complaints. Wealth managers do not pay a fee to be included in the research or final list. Scores reflect an average of all respondents and may not be representative of any one client's evaluation.  Working with a recipient of one of the aforementioned awards does not guarantee investment success. 

Securities offered through Securities America, Inc., a Registered Broker/Dealer, Member FINRA / SIPC Advisory services offered through Securities America Advisors, Inc., an SEC Registered Investment Advisory Firm. Scott Cody, Daniel Grote, Dustin Tidwell Representatives Latitude Financial Group and Securities America are unaffiliated. Securities licensed in: CO, WY, NM, NY. AL, IL, VA, WA.  Insurance Licensed in CO, WY,  IL, NY, VA. Advisory Licensed in CO, WY, NM, NY.