For readers · The Roth Conversion Decision
The Roth Conversion Decision: free printable worksheets
Five printable worksheets for thinking through whether, when, and how much to convert: the room in your bracket, the ripple effects and cliffs, the years to RMD age, a conversion log, and a decision checklist.
By James R. Ustby, CFP®. The Roth Conversion Decision is one of the Plain-English Money Guides. This page is the free printable companion to the book. You do not have to sign up.
Free for readers
Download the worksheets.
Printable PDF, free. No form and no email. The file downloads when you click the button.
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What readers get
The worksheets, and where to go next.
- Printable PDF, free. Eight pages. The download starts when you click the button. There is no form.
- Five worksheets from the book. Conversion room, ripple effects and cliffs, a multi-year conversion planner, a Form 8606 and conversion log, and a decision checklist. They do not tell you whether to convert or how much.
- Reference tables and a calendar. The 2026 federal tax brackets, 2026 Medicare premiums by income, and a Roth conversion calendar, copied from the book. Figures are federal rules as of October 2026 and can change.
- A conversation, if you want one. The worksheets are educational and are not advice on your situation. Bring them to your tax professional, or book a free call.
On this site
- Which account to withdraw from first
- Medicare IRMAA calculator
- RMD calculator
- Taxes in retirement articles
- Tax worksheets from Taxes in Retirement, Simplified
- Retirees: start here
Educational only. Not tax, legal, or investment advice. Downloading does not create an advisory relationship. Consult your own tax professional and advisors about your situation.
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This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Neither LPL Financial nor its representatives provide legal or tax advice; please consult your attorney or tax advisor regarding your specific situation. No strategy assures success or protects against loss. Examples are hypothetical and for illustration only.