Roth IRA Account Archives - VeriPlan Personal Financial Planning

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 […]

Roth Conversion Analysis Software and Optimal Strategy

Understand optimal Roth contribution and conversion strategies using Roth conversion analysis software 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 […]

Roth IRA Conversion Tax Calculator Software

Roth IRA Conversion Tax Calculator Software Excel Using VeriPlan to evaluate Roth retirement account contribution and conversion trade-offs This is the third part of a three-part article on Roth IRA conversion tax calculator software and Roth IRA contribution calculators. < — Part 1) Roth IRA Conversion Calculator < — Part 2) Evaluating Roth IRA Conversions […]

Roth Conversion Planning Software Evaluation

Evaluating Roth Excel Conversion Calculator Software This is the second part of a three-part article on Roth conversion planning software, including information about Roth IRA conversion optimizer calculators and Roth IRA investment calculators. This article could help you to make a more informed decision about your family’s Roth investment strategy. Key to you making a […]

Roth IRA Conversion Calculator Excel

Best Roth IRA Conversion Calculator for Excel This is the first part of a three-part article on Roth retirement account contributions, Roth IRA contribution calculators, and traditional IRA to Roth IRA conversion calculators and strategies. These articles will help you to evaluate the minimum requirements of any Roth IRA conversion calculator base on Excel. Part […]

User Praise for VeriPlan:

"I've been using VeriPlan for a few weeks now, and it is everything I was looking for plus a whole lot more of what I didn't even know I needed. By simply switching VeriPlan to a state that does not have a state income tax, I can see how much I could save on traditional IRA distributions in retirement by moving to a state without income taxes. It is a real education in personal finance, and I think just about everyone would benefit from using this tool. I am going to tell everyone I know about VeriPlan. Thank you very much for creating it. Your web sites are great, too."T. H. in Silicon Valley CA

"I thought I would let you know that VeriPlan was the primary decision support tool in my decision to retire early, which was about 4 years ago now. And it has worked out really well. Since then I got married, and we have traveled to 10 countries -- some on mission trips. I had used the lifetime planners in Microsoft Money and Quicken but they were not robust enough to make a major decision with. In retrospect they are toys compared to VeriPlan. So VeriPlan has been a very big help to me. Also, I recently read your Lowest Cost Mutual Funds book, which was great. It brought a few things to my attention that I need to work on."Email update from T. H. in Silicon Valley

"Finally, I absolutely love the enhancements you have made. They provide exactly the kind of specificity that I have been looking for. You have created a wonderful program!"J. B in East Orange, NJ

"I purchased your program about 2 weeks ago. In general, I find it is a fantastic planning tool. I've been doing Roth conversions, but starting full SSA this year for me makes this a real guessing game. Your program helps a lot with figuring that out. You provide a prodigious amount to documentation and instructions to wade through. The program is, nevertheless, excellent."L. B. in Chadds Ford, PA

More User Praise for VeriPlan

"One of the stories that VeriPlan tells me is how much of my money could be lost to excessive investment costs. I just switched to some lower cost funds in my 401k. I loved updating VeriPlan with the new cost values just to see the red bar on the Total Assets chart get significantly thinner - quite a shocking difference."M. W. in Tulsa, OK

"I am extremely impressed with the depth of information that VeriPlan asks for and provides. VeriPlan seems much more detailed than one would expect for the very reasonable price. Although I am not a financial professional, I consider myself more financially educated than the most people of my age (62). I find that VeriPlan's depth to be just what we need for our retirement planning. I am glad I purchased it. Thanks."J. W. in Gainsville, FL

"Thank you for the update. I have been very happy with this software. I will put VeriPlan to work to help optimize our IRA to Roth conversions, while avoiding the IRMAA penalties if we can. We are in an opportunistic window for the next several years. I have been appalled by the lack of professional knowledge available with respect to the tax burden that will fall upon us when RMDs take effect. Most of the information I have found suggests that it isn't a problem. Luckily, this software will be of great benefit to chart our course."J. S. in Louisville, KY

Even More User Praise for VeriPlan

"I am a recently retired engineer, and I created a cash flow Excel spreadsheet for 25 years of retirement. So, I fully appreciate the data and potential variances that must be accounted for. Yet, mine is so very simple compared to VeriPlan. I love VeriPlan's concept of total control over inputs and parameters. Veriplan's objectives are very much like mine, but it has many, many more input and control options, and the price is spot on."L. G. in Southbridge, VA

"Larry, this software is phenomenal. Wish I would have had it years ago. I can’t think of anything else the tool needs. Right now I feel like a kid in a candy store. I’m just reevaluating many of my decisions with a more comprehensive tool than my self-made Excel spreadsheet."T. H. in Newberry, FL

"The VeriPlan program and materials are extremely well thought out (not to mention voluminous). I think I now have a decent handle on the program, inputs and outputs. Your attention to detail is really impressive, and the analysis is excellent."W. B. in Carmel, CA