VeriPlan Personal Financial Planning
DIY financial and retirement planning Excel calculator software
VeriPlan’s Roth conversion analysis features automatically project increased U.S. federal and state income taxes on Social Security retirement benefits Roth conversions done when one is already receiving Social Security retirement benefits can increase the amount of Social Security retirement benefits that are subject to federal income taxation. For details on federal income taxation of Social […]
For richer or poorer; for better or worse; until death do us part… How to choose? Traditional retirement account contribution Roth conversion ladder decisions have many similarities to the marriage decision. Marriages and Roth conversions are very long-term commitments, and they may or may not work out. This article focuses on Roth conversion ladder strategies […]
How can I tell if Roth retirement assets are more valuable than traditional retirement assets? The answer depends on your financial circumstances, and it changes over time. This case study article focuses on the beliefs of some investors that Roth retirement assets are inherently more valuable to own than traditional retirement assets. This belief centers […]
Plan for your best low tax rate years to do Roth conversions Roth conversion analysis is the last thing that you should do when developing a do-it-yourself lifetime financial plan in VeriPlan. Roth conversion decisions are a tax-optimization of your final plan. Other decisions you make while building your lifetime financial plan will affect the […]
Economic and investment tradeoffs between traditional and Roth retirement account assets This article discusses economic tradeoffs between traditional tax-deductible retirement account contributions and non-deductible Roth retirement contributions and conversions. It is helpful to understand the lifetime investment model underlying the comparison between tax-deductible traditional and Roth retirement contributions and converting to Roth after retirement. For […]