Roth Conversion Seen Clearly
The Roth Conversion calculator provides a simple user interface allowing advisors to quickly and effectively communicate the impact of a Roth Conversion for a client. The Roth Conversion calculator follows the model of other calculators in The Retirement Analysis Kit providing an easy-to-use interface, quick calculations and reports designed for your client to understand.

Data Entry
The data entry has been designed to work efficiently in front of a client. To highlight this, let's take a look at the data entry for the taxation of the account, both at conversion (today) and at distribution (some point in the future).

A few items to note:

1. The selection on first prompt determines the taxation on the Roth Conversion is paid by an outside non-qualified account (as shown) or by a distribution from the IRA (and if there is a penalty on the distribution).


2. For Roth Conversion taxation, a client can enter their tax table and Adjusted Gross Income (AGI), allowing for easily illustrating the impact of the federal progressive tax table on a conversion.
3. For future taxation on distributions from the IRA (where tax rates are not known) a slider bar is used to quickly illustrate the impact of different levels of taxation.

As quickly as data entry is done, the Roth Conversion calculation (to the right of the input) is updated, providing instant feedback on the changes made to the data.

Calculations and Output
When communicating the Roth Conversion concept with clients, it is important to include illustrations for the conceptual client and the analytical client. For the conceptual clients a story board output is provided for the client, as shown below.
This provides a method of easily explaining to the client how a Roth Conversion can work for them.

For analytical clients, The Retirement Analysis Kit provides the analysis in an easy-to-explain chart and numbers format (as shown below).


Downlaod a sample Roth Conversion report to see how to effectively communicate Roth Conversion with your clients.

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