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?

 
   
   
Hammortree Financial Services
145 S. Virginia Street • Crystal Lake, IL • 60014
Phone: 815-788-7420 • Fax: 815-788-7430
• ahammortree@hammortreefinancial.com

Links to other sites are for your convenience in locating related information and services.  This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide.  Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose.  Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites.  This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.

The information or opinions contained in this Internet site should not be constructed by any consumer and/or prospective client as an offer to sell or solicitation of an offer to buy any particular investment product.  The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside.  Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

Annette Hammortree is insurance licensed and registered to offer products and services in: Alabama, Arkansas, Arizona, Florida, Georgia, Illinois, Kentucky, Michigan, Minnesota, Missouri, New jersey, New York, Ohio, Oregon, Pennsylvania, Texas, Wisconsin, Wyoming.

 Annette Hammortree is securities licensed in: Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Iowa, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Washington,  Wisconsin, and Wyoming and is strictly intended for individuals residing in those states.  No offers may be made or accepted from any resident outside these specified states

Annette Hammortree is an IAR (Investment Advisor Representative) licensed in: Florida, Illinois,Massachusetts, Minnesota, New Jersey, New York, and Wisconsin and is strictly intended for individuals residing in those states.  No offers may be made or accepted from any resident outside these specified states.

Annette Hammortree, Registered Representative & Financial Advisor of Park Avenue Securities LLC (PAS), 8010 Excelsior Dr, Suite 200, Madison, WI 53717 (608)828-9800. Securities products/services and advisory services offered through PAS a Registered Broker-Dealer and Investment Advisor.  Annette Hammortree, Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY.  PAS is an indirect wholly owned subsidiary of Guardian.  Hammortree Financial Services is not an affiliate or subsidiary of PAS or Guardian.

Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice.  Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

 PAS a member of FINRA,SIPC

www.finra.org

www.sipc.org