What is your spouse's/partner's age?

Why we ask:  For couples, the two ages can create different retirement, Social Security, Medicare and distribution timelines.

What is your current age?

Why we ask:  Age affects retirement timelines, RMD exposure, Medicare considerations and the time available for planning.

What is your tax filing status?

Why we ask:  Tax filing status can materially affect how additional taxable income is evaluated.

What state do you reside in?

Why we ask:  State taxation can be an important part of a Roth conversion analysis.

Which best describes your current employment status?

Why we ask:  Changes in earned income can create different tax-planning windows.

When do you expect to retire or significantly reduce earned income?

Why we ask:  The years around retirement can create unique tax-planning opportunities because household income may change before other retirement income begins.

If already retired, when did you retire?

Why we ask:  This is important. The years immediately following retirement can create unique tax-planning considerations.

Are you currently receiving Social Security?

Why we ask:  Social Security timing helps us understand how your taxable retirement income may change over time.

About how much Social Security does your household receive each year?

Why we ask:  An approximate amount is enough for this initial assessment.

If you are not receiving Social Security, when do you expect to claim?

Why we ask:  The period before Social Security begins may be relevant when evaluating future taxable income.

Are you currently receiving pension income?

Why we ask:  Pension income can change the amount of taxable income you expect later in retirement.

What is your current or expected annual pension income?

Why we ask:  An estimate helps us understand how much future income may already be committed.

When did or will your pension income begin?

Why we ask:  Pension timing may open or close potential lower-income planning windows.

Approximately how much do you have in pre-tax retirement accounts?

Why we ask:  This is one of the most important inputs. Pre-tax retirement balances can affect future taxable withdrawals and required distributions. We only need a range—do not enter account numbers.

Which pre-tax retirement accounts do you own?

Why we ask:  Different account types can have different planning and distribution considerations.

Approximately how much do you already have in Roth retirement accounts?

Why we ask:  Your existing Roth balance helps us evaluate your current level of tax diversification.

Have you completed Roth conversions previously?

Why we ask:  Prior conversions can provide useful context about your existing strategy and Roth exposure.

What do you expect your household Adjusted Gross Income (AGI) to be this year?

Why we ask:  This is important. AGI gives the analysis a stronger starting point for understanding your current tax picture. Use your best estimate; do not upload a tax return here.

Do you know your approximate federal marginal tax bracket?

Why we ask:  If you are unsure, choose “Not sure.” We do not rely on this answer alone.

What do you expect taxable household income to do over the next five years?

Why we ask:  The direction of future income can matter as much as today’s income when evaluating timing.

Do you expect a major income or financial event?

Why we ask:  A business sale, property sale, inheritance, equity event or other large change can alter the best time to evaluate tax strategies.

How do you expect your future tax exposure to compare with today?

Why we ask:  There is no wrong answer. Your expectation helps us compare your concerns with the objective factors in the assessment.

Approximately how much do you have in liquid savings and non-retirement investments?

Why we ask:  Roth conversions can create current taxes. Outside liquidity may affect how practical a strategy is without relying on retirement assets for the tax payment.

If a Roth conversation were ultimately appropriate, how would you prefer to pay the taxes?

Why we ask:  We are not recommending a conversion. This question helps evaluate implementation feasibility if analysis later supports one.

How comfortable are you using non-retirement assets to pay potential conversion taxes?

Why we ask:  A strategy that looks attractive on paper still has to fit your liquidity and comfort level.

Do you expect to need significant retirement-account liquidity during the next five years?

Why we ask:  Near-term spending needs can materially affect how practical any conversion strategy may be.

Are you currently taking required minimum distributions (RMDs)?

Why we ask:  RMDs can create taxable retirement income whether or not you need the distribution for spending.

Approximately how much are your annual RMDs?

Why we ask:  An estimate is enough for the initial analysis.

How concerned are you about future RMD taxation?

Why we ask:  We separately evaluate your stated concern and the financial factors that may create future RMD exposure.

Are you currently enrolled in Medicare?

Why we ask:  Medicare status helps us identify whether income-related Medicare considerations may already be relevant or may become relevant later.

How concerned are you that income could increase Medicare premiums?

Why we ask:  Some retirement-income decisions can affect Medicare-related income thresholds. Awareness and objective exposure are evaluated separately.

Approximately how much does your household give to charity each year?

Why we ask:  Meaningful charitable giving can interact with retirement and tax planning, even when Roth conversion is not the primary opportunity.

Why are you exploring Roth Conversions?

Why we ask:  Your goals help us distinguish a genuine Roth objective from general curiosity.

How important is leaving assets to beneficiaries?

Why we ask:  Beneficiary and survivor goals can change how retirement-account taxation is viewed over a longer horizon.

If Roth assets were part of your strategy, what would be their primary purpose?

Why we ask:  This helps us understand what you would want the Roth portion of your plan to accomplish.

What is your current attitude toward annuities?

Why we ask:  No product is predetermined by this assessment. Your preference helps a professional understand your comfort level; it does not increase or decrease your Roth opportunity score.

What is most important to you when evaluating a Roth conversion?

Why we ask:  In your own words, tell us what a successful analysis would help you understand or decide.

If Roth conversion is not the strongest opportunity, are you interested in broader tax-planning strategies?

Why we ask:  A limited Roth opportunity does not necessarily mean there is no tax-planning opportunity.

Which other areas would you like to learn about?

Why we ask:  Choose what interests you. These selections do not create an objective planning need by themselves.

Do you currently own a business?

Why we ask:  Business ownership can create tax, retirement-plan and transition considerations outside a traditional Roth analysis.

Are you self-employed?

Why we ask:  Self-employment can affect income patterns and available planning considerations.

Is a business sale or major business transaction being considered?

Why we ask:  A major business event can dominate the tax picture and should not be ignored simply because the assessment began with Roth conversions.

Do you own investment real estate?

Why we ask:  Investment real estate can create additional income, gain and planning considerations.

Is a major real-estate transaction being considered?

Why we ask:  The timing of a potential sale or purchase may interact with taxable income and other planning decisions.

Do you currently have a significant investment-tax issue?

Why we ask:  Examples may include large embedded gains, concentrated holdings, realized gains or substantial taxable investment income.

Is there a known estate or legacy-planning issue?

Why we ask:  This helps distinguish general interest in estate planning from an identified planning issue.

Is there a significant charitable-planning need beyond normal annual giving?

Why we ask:  We separate routine charitable giving from more advanced charitable-planning needs.