Take advantage of the many resources assembled here for PFP Section members, inclusive of CPA/PFS credential holders, to assist in proper Roth conversion and recharacterization planning for your clients.
Charts provided by Robert Keebler, CPA/PFS
The Roth Conversion Decision - factors to consider when converting to a Roth IRA.
Roth Quadrants - eight technical aspects of Roth IRAs.
Roth IRA Distribution Flowchart - considerations when making a Roth IRA distribution.
Traditional IRA Distribution Flowchart - considerations when making a Traditional IRA distribution
*Disclaimer: This calculator is not intended to make a recommendation as to whether a Roth conversion should be performed. Rather, the results of the computations are meant simply to assist an advisor in counseling his or her client on the suitability of a Roth conversion after the advisor takes into consideration all facts beyond those inputted into this program. This program should be viewed as only one tool to be utilized in the advisor’s tool box. Making the decision to convert is more than a mathematical or analytical question; it must be addressed holistically, taking into account a client's financial, retirement, income tax, and estate planning.