Should You Convert to a Roth IRA?
You know that a Roth IRA has many benefits. You also know in 2010 and later years any taxpayer may convert a traditional IRA to a Roth IRA, and there is a special tax incentive to convert in 2010.
But, of course, there's a cost to a conversion. You have to include the converted amount in gross income as though it had been distributed to you. The cost can be high.
How do you know what to do? Is converting your traditional IRA to a Roth IRA a good idea? How much of your traditional IRA should you consider converting? How long should you delay taking distributions after a conversion?
The Web has many calculators to help you answer those questions and make the decision. But these calculators tend to be limited and don't let you change a lot of the assumptions. They make it too hard for you to see what the results would be under different scenarios. And the calculators focus on only one use of the Roth IRA.
The Ultimate Conversion Calculator
That's why we developed our Retirement Watch IRA Conversion Spreadsheet. This unique calculator fills the information gap in IRA conversions. It allows you to change more variables than others and shows you the results in several formats. Assumptions you can control include:
 Separate ordinary income tax rates before retirement and during retirement
A tax rate for the year of conversion, in case it pushes you into a higher bracket
Separate tax rates before and during retirement for taxable accounts
You set the tax rates, based on your estimates of federal and state taxes
Different investment returns for before and during retirement
You set the year withdrawals begin
You set the rate of the first withdrawal, and how much withdrawals increase
You set all these factors and change them whenever you want. This calculator shows you the effects of each change automatically. You can see the results of several scenarios with this spreadsheet in the same time it takes to see one set of results on most Web calculators.
You can print your results. Then you can change the assumptions, print out those results, and compare them. Do this as many times as you want.
The Retirement Watch IRA Conversion Spreadsheet present results several ways. You can see the after-tax effects during retirement of converting vs. not converting. We also show you the total after-tax advantage of disadvantage of converting.
You can use our spreadsheet even when you won't be relying on the IRA for your retirement income. If you want the IRA to compound as a tax-free savings account, we do the calculations for you.
What if you want to leave a legacy for loved ones? We show you how valuable the IRA is to a beneficiary when you avoid distributions and the beneficiary takes distributions over their life expectancy. See what your IRA will provide for a beneficiary's retirement decades from now. See if converting the IRA now will provide a loved one with more after-tax retirement wealth than not converting.
The Retirement Watch IRA Conversion Spreadsheet is built in Microsoft Excel. You don't need to know anything about Excel, other than how to open a file. But if you do know Excel, you can look at how the estimates are made and even modify them if you want. Unlike other calculators, you can see how our estimates are computed.
Consider Your Options from Every Angle
A lot of information and flexibility is packed into the Retirement Watch IRA Conversion Spreadsheet. And the results can be saved on your computer. Save more than one set of results if you want.
You won't have to rely on general rules of thumb or someone else's assumptions. You determine the key assumptions, and you can see what the results would be under different scenarios.
Many people will rely on your IRA. You, your spouse, and your beneficiaries all could benefit from the IRA. You want to make the choice that generates the greatest after-tax wealth. And you don't simply want to guess at the best choice.
Special Introductory Offer
All this is available to you for the incredibly low price of $20. You can download the Retirement Watch IRA Conversion Spreadsheet in a few minutes.
That's right. For far less than the cost of the average tank of gas you'll have the premier tool for deciding whether or not to convert your traditional IRA into a Roth IRA. Your IRA is worth tens of thousands of dollars or more. Perhaps much more. For just $20 you'll be able to estimate which action will generate the most after-tax wealth.
To download the Retirement Watch IRA Conversion Spreadsheet, just click "Order Now" below. Order right now at this special introductory price and be confident about your IRA decision. Take control of your financial future now with an investment that will return its cost many times over.
LICENSE FOR USE: When purchasing a license to the Retirement Watch IRA Conversion Spreadsheet you agree to use the spreadsheet for personal use only. You agree not to share the original spreadsheet file or copies of the spreadsheet file with anyone else. You also agree not to use the spreadsheet in any activity that generates revenue or compensation.
TECHNICAL SUPPORT: No technical support is provided for the Retirement Watch IRA Conversion Spreadsheet. It is purchased "as is."
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