Use this checklist to bring calculator output, assumptions, documents, and questions to a licensed CPA or qualified financial professional. The checklist supports review; it does not provide a recommendation.
5 handoff areas15 checklist items
Calculator Inputs
Give the professional enough context to understand the calculator scenario and assumptions.
3 items
Calculator result summary
Export or copy the calculator result summary, including conversion amount, filing status, income, tax-year label, and output totals.
Handoff: Calculator PDF
Scenario assumptions
List expected return, retirement age, retirement marginal tax rate, inflation rate, state tax assumption, and tax payment method.
Handoff: Calculator PDF
Alternative scenarios
Bring any sensitivity, bracket capacity, or multi-year conversion scenarios that changed the result materially.
Handoff: Question list
Tax Documents and Account Records
Collect the records that determine whether the simplified calculator assumptions fit the user's tax facts.
3 items
Traditional IRA basis records
Bring Form 8606 history, nondeductible contribution records, and any basis tracking notes.
Handoff: Tax document packet
Traditional IRA and 401k balances
Provide recent statements for traditional IRAs, rollover IRAs, SEP/SIMPLE IRAs, and relevant workplace plans.
Handoff: Tax document packet
Current-year income estimate
Prepare projected wages, self-employment income, investment income, deductions, and other income that may affect bracket placement.
Handoff: Tax document packet
Calculator Model Limits
Make sure the professional reviews items intentionally outside the calculator model.
3 items
State tax assumptions
Ask whether the user-entered state marginal rate is reasonable for residency, local tax, and state-specific treatment.
Handoff: Question list
IRMAA and ACA subsidy review
Ask whether Roth conversion income may affect Medicare IRMAA, ACA premium tax credits, or other income-linked thresholds.
Handoff: Question list
RMD, NIIT, AMT, and credit interactions
Ask whether RMD timing, NIIT, AMT, credits, deductions, or other tax interactions require separate modeling.
Handoff: Question list
Questions for the Professional
Turn calculator output into review questions rather than self-directed tax advice.
3 items
Written professional recommendation
Ask the CPA or advisor to document their recommendation, assumptions, and caveats in writing.
Handoff: Decision record
Conversion timing review
Ask whether timing, withholding, quarterly estimates, or multi-year planning should be considered.
Handoff: Question list
Penalty and five-year rule review
Ask whether early-distribution penalties, exceptions, and Roth conversion five-year rules affect the user's plan.
Handoff: Question list
Recordkeeping After Review
Keep a clear trail of what was calculated, reviewed, and actually executed.
3 items
Save calculator and advisor materials
Keep the calculator PDF, professional notes, tax documents, and final decision record together.
Handoff: Decision record
Track final conversion paperwork
Save custodian confirmations, Form 1099-R, Form 5498, and any tax software worksheets after execution.
Handoff: Tax document packet
Schedule post-filing review
After filing, compare actual tax return treatment against the pre-conversion estimate and update future assumptions.
Handoff: Decision record
Handoff Outputs
Calculator PDFQuestion listTax document packetDecision record
This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.