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Retiree Roth Conversion Decision Model I retired at 50, and for years read recommendations to do Roth conversions, usually with the suggestion to "create a model", but I kept putting it off. Finally, two years ago at 63, I did do a model, and put enough work into that I thought I would put...

Thanks. I've resolved my understanding problem. I had selected a fixed return portfolio along with an Investigate item and was confused when I changed Investigate back to the default and the graph remained a single-line one.

Is there a way to turn off selections made in the Investigate section? Once I select one, or change selections, I am unable to de-select at least one and get back to an page with no selections. This requires me to start all over and input everything again to have no Investigate items selected...

I have an Excel model I created to analyze the Roth conversion issue and compare alternative conversion plans. I'm currently working on an update for 2014 which will be out in a few weeks, but the current version is available via this thread at Bogleheads: Retiree Roth Conversion Decision...

Glad you like it! My plan is to update it for 2014 tax rates etc. in January, so look for a new version then.

What's round trip airfare to Hawaii these days? That's got to eat up a bit of his $5,000. I suspect he's not counting any welfare benefits he may be getting, like food stamps. That said, at least he's not living under a bridge or on the street. And there is something to be said for the...

I love retirement. After retiring at 50 in 1998, and immediately moving to a rural area and building our dream house (a bad financial decision as we discovered four years later when we moved back to mid-city urban), we continued our careful spending ways that made ER possible. But now that...

I created an easy to use Excel model for analyzing the Roth conversion decision, and it includes RMD calculations and tax calculations. A link to it on Bogleheads can be found in my profile.

My model handles spousal SS benefit or separate spouse benefit. Although it's intended to analyze the Roth conversion situation, I noticed that it also could analyze the SS benefit start date decision so I added that as a bonus feature, but it's not the main intent of the model.

You bet. I hope people will find it useful as a starting point in evaluating the Roth conversion decision and process. I know I wasted years putting off the suggestion of "just do a model" whenever the topic came up at Bogleheads and so when I finally did it I decided to put in the extra (a...

trapper, your situation reminds me of our own in many ways, except I retired at 50 and did use the 72(t) provision to make penalty-free withdrawals from my IRA prior to 59.5. Unfortunately I kept putting off modeling the Roth conversion process until after I had started SS benefits for both of...

I created a Retiree Roth Conversion calculator a couple of years ago, and it's available through the Bogleheads thread on the topic. I think anyone planning for Roth conversions will find it of use. Check it out at: Bogleheads • View topic - Retiree Roth Conversion Decision Model I don't...