Roth Conversion Analysis
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1 Roth Conversion Analysis Prepared For : Stretch Smith February 11, 2010 Prepared By : Financial Consultant This information is hypothetical and is provided for informational purposes only. It is not intended to represent any specific return, yield, or investment, nor is it indicative of future results. Information provided by you has not been verified by our firm.
2 Contents & Disclosure Table Of Contents This illustration must contain the following: Contents & Disclosure 2 Initial Information 3 Comparative Graphs of Traditional IRA vs Roth Conversion 4 Comparative Summary Income Ledger 5-6 Appendix: Detailed Ledgers 7-12 Important Disclosure Regarding Illustration of the "Roth Conversion" The following are illustrations comparing the conversion of a deductible Traditional IRA into a Roth IRA. They provide only broad, general guidelines, that which may be helpful in shaping your thinking about whether to maintain a deductible Traditional IRA or convert all or a portion of a deductible Traditional IRA into a Roth IRA. The usefulness of this report depends upon the accuracy of data furnished by you. No legal or accounting advice is being rendered by this report or through any other oral or written communications. This report provides estimates based on our general understanding of current tax laws. Payment of income taxes due upon conversions to a Roth IRA may not be appropriate for all investors. Since our firm is not a tax or legal advisor please discuss legal and accounting matters directly with your tax and legal counselors in each of those areas and in light of your investment objectives, age, tax bracket, etc. This material has been prepared for informational purposes only and is not a solicitation or an offer to buy a security or instrument or to participate in any trading/investment strategy. Investors need to make their own decision based on their specific investment objectives, financial circumstances and tolerance for risk. Please contact your financial professional and/or tax advisor for more information on planning for retirement and to find out if a Roth Conversion may be suitable for your specific situation. All rates of return are hypothetical and are not a guarantee of the future performance of any financial product. Income and capital projections assume investment returns net of fees and other expenses and are not product specific. In addition, income and capital projections reflect the impact of estimated federal and state income taxes when applicable. Many, but not all, states follow the federal rules regarding the deductibility of contributions and the taxability of distributions from IRAs. You must consult with your tax advisor regarding the specific rules applicable to your state of residence. Please note that the results depicted in the illustrations are based on the specific assumptions you have provided. Any variation in the assumptions used, particularly with respect to the applicable tax rates during the accumulation and distribution periods, will cause significant variations in the illustrated results, and could materially impact the value of the illustration for comparative purposes. Securities and Insurance Products: - Not Insured by FDIC or any Federal Government Agency. - May Lose Value - Not a deposit of or guaranteed by a bank or any bank affiliate. This information is hypothetical and is provided for informational purposes only. It is not intended to represent any specific return, yield, or investment, nor is it indicative of future results. Information provided by you has not been verified by our firm. RC910SF.2.12
3 Initial Information Analysis - Initial Data, Assumptions & Options Analysis Info Illustration Date : 02/11/ Conversion Date : 02/10/2010 Account Balance : $100,000 Client Info Spouse Info Name : Stretch Smith Name : Susan Smith DOB/Age : 02/10/1960 / 50 DOB/Age : 02/10/1965 / 45 Retirement Age : 65 Illustrate To Age/Yr. : 83 / 2048 Illustrate To Age/Yr. : 84 / 2044 Pre-Retirement Post-Retirement Conversion Income Tax Rate : 25.00% Income Tax Rate : 20.00% Conversion Income Tax Rate '11 / '12 : 20.00% / 20.00% Traditional IRA & Roth IRA ROI : 5.00% Traditional IRA & Roth IRA ROI : 6.00% Savings ROI : 4.00% Savings ROI : 5.00% Conversion Options Option 1 - No Conversion Traditional IRA : $100,000 Savings : $23,935 Option 2 - Immediate Conversion Using Savings as source of income taxes Roth IRA : $100,000 Savings : $23,935 Net PV of '10 Conversion Tax of $25,000 : $23,935 Balance Savings : $0 Option 3 - Conversion on 02/10/2010 Using Savings as source of income taxes Roth IRA : $100,000 Savings : $23,935 Net PV of 10-11/12 Conv. Taxes of $20,000 : $17,802 Balance Savings : $6,133 Note: Taxes are assumed to be paid on 12/31 of the conversion taxable year. RC910SF.3.12
4 Comparison Of Traditional IRA vs Roth Conversion Options Income Durations No Conversion Conversion '10 Conv '10-11/ Income Provided Over 20 Years; Income Starting At Age 65 And Extending Through Age 84 Net Account Balances $300,000 $250,000 $200,000 No Conversion Conversion '10 Conv '10-11/12 $150,000 $100,000 $50,000 $ Net Account Balances Over 35 Years; Income Starting At Age 65 And Extending Through Age 84 Assumes Lump Sum Tax Rate of 30.00% RC910SF.4.12
5 Comparative Summary Income Ledger Net Income Ledger (No Conversion vs Taxes From Savings vs 2010(11/12) Conversion Taxes From Savings) No Conversion 2010 Taxes From Savings 2010 Taxes ('11/'12) From Savings IRA Roth IRA Roth IRA Client Net & Savings Net & Savings Net & Savings Age / LX Income Balance Income Balance Income Balance 02/10/2010 $123,935 $100,000 $106,133 Conversion $23,935 $17, , , , RC Tax 25, , , , , RC Tax 10,000 9, , , , RC Tax 10, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,808 15, ,336 15, , , ,567 16, ,879 16, , , ,876 16, ,713 16, , , ,773 17, ,790 17, , , ,420 17, ,056 17, , / , ,986 18, ,455 18, , / , ,397 18, ,927 18, ,602 RC910SF.5.12
6 Comparative Summary Income Ledger Continued Net Income Ledger (No Conversion vs Taxes From Savings vs 2010(11/12) Conversion Taxes From Savings) No Conversion 2010 Taxes From Savings 2010 Taxes ('11/'12) From Savings IRA Roth IRA Roth IRA Client Net & Savings Net & Savings Net & Savings Age / LX Income Balance Income Balance Income Balance 72 / , ,576 19, ,411 19, , / , ,440 19, ,840 19, , / , ,902 20, ,143 20, , / , ,867 21, ,247 21, , / , ,240 21, ,073 21, , / , ,917 22, ,538 22, , / , ,787 23, ,554 23, , / , ,736 23,752 86,030 23, , / ,465 84,643 24,465 65,867 24,465 93, / ,199 57,376 25,199 43,962 25,199 72, / ,954 27,802 25,954 20,206 25,954 50, / , , ,733 26, / , , , ,942 RC910SF.6.12
7 Appendix: No Conversion Detail Ledger Option 1 - No Conversion Detailed Ledger Savings Account Traditional IRA Account Totals Client Savings Net IRA Withdrawals Account Age / LX ROI Withdrawals Balance ROI Distributions Income Balance & Net Income Balance 02/10/ , , ,935 Conversion 50 1, ,997 5, , , RC Tax 51 1, ,247 6, , , RC Tax 52 1, ,559 6, , , RC Tax 53 1, ,937 7, , , , ,384 7, , , , ,903 7, , , , ,499 8, , , , ,174 8, , , , ,932 9, , , , ,779 10, , , , ,718 10, , , , ,754 11, , , , ,891 11, , , , ,136 12, , , , ,493 13, , , ,980 15,703 35,770 11, ,039 15, , ,431 16,174 21,026 12, ,541 16, , ,659 5,208 13, ,668 16, , , ,783 14,678 11, ,773 17, , ,739 22,092 17, ,420 17, , / ,321 22,755 18, ,986 18, , / ,849 23,438 18, ,397 18, ,397 RC910SF.7.12
8 Appendix: No Conversion Detail Ledger Continued Option 1 - No Conversion Detailed Ledger Continued Savings Account Traditional IRA Account Totals Client Savings Net IRA Withdrawals Account Age / LX ROI Withdrawals Balance ROI Distributions Income Balance & Net Income Balance 72 / ,320 24,141 19, ,576 19, , / ,729 24,865 19, ,440 19, , / ,072 25,611 20, ,902 20, , / ,345 26,379 21, ,867 21, , / ,543 27,171 21, ,240 21, , / ,662 27,986 22, ,917 22, , / ,696 28,825 23, ,787 23, , / ,639 29,690 23, ,736 23, , / ,487 30,581 24,465 84,643 24,465 84, / ,232 31,498 25,199 57,376 25,199 57, / ,869 32,443 25,954 27,802 25,954 27, / ,390 29,192 23, , / ,018 53, , , , ,028 RC910SF.8.12
9 Appendix: 2010 Conversion Detail Ledger Option 2 - Immediate Conversion Using Savings Savings Account Roth IRA Account Totals Client Savings Roth IRA Distributions Account Age / LX ROI Withdrawals Balance ROI Distributions Balance & Withdrawals Balances 02/10/2010 $0 $100,000 $100,000 Conversion $23,935 $23, , , , RC Tax 1,065 25, , , , , RC Tax , , , RC Tax , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,907 15, ,336 15, , ,717 16, ,879 16, , ,494 16, ,713 16, , ,236 17, ,790 17, , ,940 17, ,056 17, , / ,603 18, ,455 18, , / ,223 18, ,927 18, ,927 RC910SF.9.12
10 Appendix: 2010 Conversion Detail Ledger Continued Option 2 - Immediate Conversion Using Savings Continued Savings Account Roth IRA Account Totals Client Savings Roth IRA Distributions Account Age / LX ROI Withdrawals Balance ROI Distributions Balance & Withdrawals Balances ,796 19, ,411 19, , ,321 19, ,840 19, , ,792 20, ,143 20, , ,207 21, ,247 21, , ,562 21, ,073 21, , ,854 22, ,538 22, , ,077 23, ,554 23, , ,228 23,752 86,030 23,752 86, ,302 24,465 65,867 24,465 65, ,293 25,199 43,962 25,199 43, ,198 25,954 20,206 25,954 20, ,010 21, , , , ,890 RC910SF.10.12
11 Appendix: 2010 (11/12) Conversion Detail Ledger Option 3 - Conversion on 02/10/2010 Using Savings Savings Account Roth IRA Account Totals Client Savings Roth IRA Distributions Account Age / LX ROI Withdrawals Balance ROI Distributions Balance & Withdrawals Balances 02/10/2010 $6,133 $100,000 $106,133 Conversion $17,802 $17, ,405 5, , , RC Tax , , ,725 6, , , RC Tax ,000 9,524 10,000 9, ,062 6, , , RC Tax , , ,415 7, , , ,786 7, , , ,175 7, , , ,584 8, , , ,013 8, , , ,463 9, , , ,937 10, , , ,433 10, , , ,955 11, , , ,503 11, , , ,078 12, , , ,682 13, , , , ,907 2, ,525 15, , ,376 16, ,727 16, , ,186 16, ,254 16, , ,963 17, ,058 17, , ,703 17, ,087 17, , / ,404 18, ,288 18, , / ,064 18, ,602 18, ,602 RC910SF.11.12
12 Appendix: 2010 (11/12) Conversion Detail Ledger Continued Option 3 - Conversion on 02/10/2010 Using Savings Continued Savings Account Roth IRA Account Totals Client Savings Roth IRA Distributions Account Age / LX ROI Withdrawals Balance ROI Distributions Balance & Withdrawals Balances ,680 19, ,970 19, , ,248 19, ,326 19, , ,766 20, ,604 20, , ,230 21, ,730 21, , ,637 21, ,631 21, , ,982 22, ,224 22, , ,261 23, ,424 23, , ,471 23, ,144 23, , ,607 24,465 93,286 24,465 93, ,664 25,199 72,752 25,199 72, ,638 25,954 50,435 25,954 50, ,522 26,733 26,224 26,733 26, ,311 27, , ,056 13, , , ,942 RC910SF.12.12
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