Federal Employee Tools

Roth Conversion Suitability Analyzer

Is a Roth conversion right for you? This fiduciary-grade analyzer screens your situation and runs the break-even math before recommending a direction.

Part 1: Foundational Suitability Check (Fiduciary Screen)

A1: Tax Payment Source: Do you have sufficient cash/assets outside the IRA to pay the conversion tax? Yes No

A2: Time Horizon: Can you leave the converted money untouched for at least five full years? Yes No

A3: Legacy/Heirs: Is a goal to leave tax-free money to heirs who you expect will be in a higher tax bracket? Yes No N/A (No legacy goal)

Part 2: Break-Even Analysis Variables

Amount to Convert ($):

Your Current Marginal Tax Rate (%):

Your Future Marginal Tax Rate in Retirement (%):

Expected Annual Rate of Return (%):

Years Until First Withdrawal:

*Fiduciary Note: The break-even calculation does not account for IRMAA or Social Security tax impact, which can dramatically lower the true break-even point.

Want a personalized Roth conversion strategy?

The numbers are just the starting point. Octus Financial helps federal employees navigate Roth conversions with a full tax and retirement income strategy.

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