"How much should I convert to a Roth?" "What's my IRMAA limit?" "Do I qualify for 0% capital gains?"
Three questions. Three worksheets. Now you can answer all of them, with your own numbers.
- Roth Conversion Bracket Worksheet
- IRMAA Targeting Worksheet
- 0% Capital Gains Bracket Worksheet
Three Worksheets. Three Strategies.
The Exact Numbers to Execute Each One.
Each worksheet walks you through a specific tax-planning strategy, step by step, so you can see your own numbers before making any decisions.
0% Capital Gains Bracket Worksheet
The 0% long term capital gains rate is one of the most underused tools in the tax code. This worksheet helps you find out how close you may be, and how to take advantage of it.
- Calculates your LTCG income threshold
- Identifies room for tax-free gain harvesting
- Works alongside a Roth conversion
- Side by side and before vs. after view
IRMAA Targeting Worksheet
IRMAA (Income Related Monthly Adjustment Amount) can add hundreds per month to your Medicare premiums if your income crosses the wrong threshold. This worksheet helps you see exactly where you stand, and what to do about it.
- Identifies your IRMAA threshold based on MAGI
- Shows how close you are to the next surcharge tier
- Helps you plan income to potentially stay below the limit
- Works alongside Roth conversion and LTCG planning
Roth Conversion Bracket Worksheet
Figure out how much of your traditional IRA you may be able to convert, without bumping into the next bracket. Most people guess. This worksheet shows you the actual number.
- Identifies your current taxable income
- Calculates available bracket room
- Shows potential conversion amount
- Works for single filers and couples
These worksheets may be a good fit if you…
- ✓Are within 5 to 15 years of retirement and have a traditional IRA or 401K
- ✓Are already retired but haven't started Social Security or RMDs yet
- ✓Are in a lower income year, partial retirement, job change, or gap year
- ✓Have taxable investments with unrealized long term gains
- ✓Want to understand your tax picture before talking to an advisor
With 30+ years of experience in financial planning, I've spent my career helping people navigate the complexity of retirement so they can move forward with clarity and confidence.
From my early days doing financial plans at Merrill Lynch, I quickly learned that a great plan changes everything. I started Money Evolution to make that kind of thoughtful, personalized planning available to more people. We offer planning as a standalone service, you don't need to move your assets to work with us.
Walk Into Your Next Tax Conversation Knowing Your Numbers.
Many people guess. These worksheets help you show up with the actual math, so the conversation is productive from the first minute.
Money Evolution, LLC and LPL Financial do not provide tax advice. Please consult your tax advisor for guidance specific to your situation.
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