The Roth Plan

Your retirement plan may offer two savings options: traditional pre-tax contributions and Roth contributions. The new Roth contribution option can afford significant tax advantages to some taxpayers. But who? The answer depends on a number of factors, and some of those factors require predictions of the future.

This presentation can help you decide which option is best for you. Work your way through the following factors in making the pre-tax v. Roth contribution decision. As you go, we'll explain the factors that are important to consider and ask you to provide information about yourself.

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This Roth Analyzer is based on tax laws and regulations as they existed on January 1, 2024. Information provided by the Roth Analyzer is for illustrative purposes only and does not, and is not intended to, constitute legal or tax advice. Calculator results are hypothetical and actual results will vary. It is also not intended to be used, and cannot be used, to avoid tax-related penalties.

The Roth Analyzer should not be relied upon exclusively to decide whether to make traditional pretax contributions or Roth contributions. Individual circumstances play a significant role in making the best decision. Therefore, you should seek individualized advice from your own independent tax advisor.

The Roth Analyzer is made available as is, with all faults and without any express or implied representations, warranties, or guarantees regarding its use or data and decisions related to its use, including, but not limited to, any implied warranty of merchantability, performance, fitness for a particular purpose, accuracy of informational content, or absence of defects or errors. By using the Roth Analyzer, you agree that, except as otherwise required by law, SS&C, your Plan trustee and your Plan recordkeeper will not be liable for any losses or damages (direct, indirect or punitive) that may result from your use of the Roth Analyzer or any data and decisions related to its use.