Welcome to our Lump Sum v. Rollover Distribution Analyzer. This tool is designed to help you determine the impacts of a lump lum distribution compared to a rollover to an IRA.

To use the Analyzer, simply enter the appropriate information in the fields below, then click the "Analyze Your Options" button. The result will be a summary of some options available to you and the financial impacts of each.

Note: this tool is for estimating purposes only and should not be used in place of professional advice specific to your situation. Please consult a professional before rolling over or distributing any funds.

Please supply the following information:

1. Enter your Birthdate:	January February March April May June July August September October November December
2. What will your age be when you take the first retirement distribution? (this can be greater than age 70.5):	yrs.
3. Select your Federal Income Tax Filing Status:	Single Married Filing Jointly Married Filing Separately Head of Household
4. Enter your Adjusted Gross Income (AGI) (combined, if married filing jointly):	$
5. Enter the Estimated Annual Return on your investments (for simplification, this return will be used for both the lump lum and the rollover accounts NOTE: An Estimated Return in excess of 12% may not be a reasonable assumption):	%
6a. Please select your current federal marginal tax rate: Click here if you need to look it up.	10% 15% 25% 28% 33% 35%
6b. Please select your marginal federal tax rate at the assumed retirement age: Click here if you need to look it up.	10% 15% 25% 28% 33% 35%
6c. Please enter your marginal state/local tax rate:        Note: The Michigan state tax rate is 4.6%.	%
7a. What is the amount in your retirement plan that you expect to either distribute as a lump sum or roll over into an IRA?	$
7b. Will the roll over from your retirement account trigger a surrender charge? If so, please enter the surrender charge as a percentage of the roll over amount.	%

This calculator is not intended to serve as legal or investment advice. Please review the list of assumptions when applying any results to your own situation. The information used in the functions of the calculator are based on our interpretation of the curent tax laws, which may change. All examples are hypothetical and intended for illustrative purposes only. You should periodically review your overall tax plan with a tax professional who knows your particular situation best. We cannot give tax or legal advice. Investments offering the potential for higher rates of return also involve a higher degree of risk to principal. Also, please be aware that high rates of return are generally not sustainable for long periods of time.

---