Roth Conversions in Retirement Archives - VeriPlan Personal Financial Planning

Social Security retirement benefits can significantly increase taxes on Roth conversions

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 […]

Which Roth conversion ladder and Roth contribution strategies are more likely to pay off?

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 […]

After Roth contribution or Roth conversion taxes have been paid, are Roth assets more valuable than traditional retirement assets?

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 […]

Using VeriPlan’s year-by-year Roth conversion calculator

Plan for your best low tax rate years to do Roth conversions If you are diligent enough to accumulate significant traditional retirement assets, Roth conversions in low income tax rate years during retirement will be the most optimal for you. The article below can help you think about these lifetime financial tradeoffs. Don’t get fooled […]

Converting to Roth after retirement versus making Roth contributions while working

Economic and investment tradeoffs between traditional and Roth retirement account assets Traditional retirement contributions that reduce taxable income and taxes while working are very valuable, and your tax saving can compound over the years. If you are diligent enough to accumulate significant traditional retirement assets, later in life in retirement Roth conversions might make sense […]

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