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 12 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 12 percent)?

%

7. What marginal tax bracket do you expect to be in during your retirement years?

 
   
   
Millenia Advisors, LLC.
1350 Timberlake Manor Parkway - Suite 460 • Chesterfield, MO • 63017
Phone: 636.777.7780
Toll Free 866.583.1001 		• Fax: 636.530.1049
www.MILLENIALLC.COM • info@milleniallc.com

1350 Timberlake Manor Parkway - Suite 460, Chesterfield, MO 63017
Phone: 636.777.7780   Fax: 636.503.1049    Email: lee.neumann@ssnrep.com

Securities offered through Securities Service Network, Inc,
A registered broker/dealer. Member FINRA & SIPC.

Fee-based advisory services are offered through SSN Advisory, Inc., a registered investment advisor.  These services are available only to residents of Missouri.

We are registered to sell Securities in the following states:
Alabama, Arkansas, Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Iowa, Kansas, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Mexico, North Carolina, Oklahoma, Texas, Wisconsin.  If you are a resident of a state not mentioned in this list, we are more than happy to register in your state to offer you the services that you may require.

We are licensed to sell Insurance Products in the following states:
Arkansas, Arizona,Colorado, Florida, Georgia, Iowa, Illinois, Kansas, Massachusetts, Missouri, Mississippi, New Hampshire, Oklahoma, Texas, Wisconsin.  If you are a resident of a state not mentioned in this list, we are more than happy to register in your state to offer you the services that you may require.

To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account with Securities Service Network, Inc., we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. We may share information obtained from you with third parties to verify your identity, in compliance with this federal law.

 

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