Roth Conversion Options in Income InSight

Roth Conversions to the 10%, 12%, 22%, and Lifetime Effective Marginal Rate

  • 10%: When selected, the software will not convert an amount that will push the Effective Marginal Rate above 10% in that particular year. 
  • 12%: When selected, the software will not convert an amount that will push the Effective Marginal Rate above 12% in that particular year. 
  • 22%: When selected, the software will not convert an amount that will push the Effective Marginal Rate above 22% in that particular year. 
  • Lifetime: When selected, the software will not convert an amount that will push the Effective Marginal Rate in a given year above the overall Lifetime Effective Rate. With this selection, if the Effective Marginal Rate in a particular year is already at 22%, but the lifetime rate is at 12%, you would not see a conversion in that year. Click here to see how this calculated.