Your retirement.
Your tax questions.
Start with clarity.
Could a Roth conversion deserve a closer look in your retirement plan? Take our Roth conversion quiz to reflect on your accounts, income, timing, and priorities—then bring your questions into a personal conversation with Roberts Wealth Management and your tax professional.
A little perspective.
A more informed conversation.
Start with an honest look at your current retirement picture. The Roth Readiness Quiz offers a score and summary based on your responses. Use them to identify subjects you want to explore, rather than treating a score as a decision about a conversion.
Roth Readiness Quiz
Reflect on your retirement and tax questions.
This educational quiz is provided through Retirement Ready Suite. Review its notices and disclosures before sharing your information. Results do not replace a personalized financial plan or provide investment, tax, or legal advice. Review any proposed conversion with your qualified tax professional.
One retirement.
More than one tax question.
A Roth conversion discussion should include your actual circumstances and the tradeoffs you want to understand. Use these subjects to prepare for a fuller conversation with your financial and tax professionals.
Your current retirement accounts
What do you hold in traditional retirement accounts, Roth accounts, and other savings? Gather the details so your financial and tax professionals can consider your actual starting point.
Taxes on a conversion
Untaxed amounts converted from a traditional IRA to a Roth IRA are subject to tax. Ask your tax professional to review the potential tax impact before deciding whether or how much to convert.
Your retirement timeline
When do you expect to retire, begin withdrawals, or use other income sources? Bring your timing and spending priorities into the discussion rather than treating a conversion as an isolated decision.
Your resources & responsibilities
Consider how a potential conversion fits alongside your household expenses and other commitments. Ask about the resources that would be needed to address any resulting tax obligation.
Income & Medicare questions
Medicare income-related premiums depend on modified adjusted gross income. If Medicare is part of your planning, discuss how a potential change in income relates to your premium questions.
Your longer-term priorities
Think about the role your retirement accounts play in your income plans and wishes for loved ones. Coordinate questions about beneficiaries, withdrawals, and taxes with the appropriate professionals.
Official resources: IRS IRA and conversion FAQs ↗ and Social Security’s Medicare income-related premium guidance ↗.
Explore our personalized retirement strategy, IRA articles, and Medicare guidance for more planning context.
Turn your questions
into a thoughtful next step.
Notice what stood out.
Write down the questions that were difficult and the assumptions you would like to revisit. Your account details and personal priorities provide context that a short questionnaire cannot fully capture.
Bring your picture together.
Locate current retirement account information and the income details your professionals request. Ask what records would be helpful before arranging a personal review of a potential conversion.
Explore the tradeoffs.
Discuss your retirement goals with Roberts Wealth Management and review the tax analysis with your qualified tax professional. Ask how a proposed decision would fit alongside your wider financial responsibilities.
Meet the RWM team, find your local office, or take our Retirement Reality Check for a broader planning perspective.
Your questions.
A clearer starting point.
What is the Roth Conversion Quiz?
The Roth Readiness Quiz is an educational self-assessment about retirement accounts, income, timing, and planning priorities. Use its score and summary to identify questions for a discussion with your financial and tax professionals.
How long does the quiz take?
The quiz contains 13 questions and estimates 105 seconds to complete—about two minutes. Take the time you need to consider your answers, and use the separate-tab option if you prefer more room.
Does the score tell me whether I should convert?
A quiz score is a starting point for discussion, not a personal tax recommendation. A decision should follow a review of your actual accounts, tax circumstances, income needs, and goals with qualified professionals.
What should I do after completing the quiz?
Note the questions that were difficult and gather information about your retirement accounts and income. Contact Roberts Wealth Management to discuss the financial planning context, and ask your tax professional to review the tax consequences of any proposed conversion.
Your next chapter is personal.
Consider the connections.
Bring your retirement priorities and tax questions into a thoughtful conversation about the financial decisions ahead.
