Centinel Financial Group, LLC - IRA Eligibility : Calculator: IRA Eligibility

Saving for a comfortable retirement is one of the most common financial goals among working people. One popular retirement savings vehicle is the IRA. Even if you have access to an employer-sponsored retirement plan, you may still be eligible to supplement your employer’s plan by contributing to a tax-deductible IRA or a Roth IRA. This calculator is designed to help you determine whether you qualify for the different types of IRAs and to estimate the potential future value of each type of IRA for which you are eligible.

1. What will your age be as of December 31 this year?
2. Are you covered by an employer-sponsored retirement plan?	YesNo
3. Do you have a spouse who is covered by an employer-sponsored retirement plan?	YesNo
4. What do you (and your spouse, if applicable) expect your adjusted gross income to be this year?	$
5. What will your filing status be for this year?
6. What pre-tax return do you expect on your investments between now and when withdrawals begin (0 to 12 percent)?	%
7. What marginal tax bracket do you expect to be in during your working years?
8. At what age do you expect to begin withdrawing funds from your IRA? (Note that mandatory withdrawals from traditional IRAs must begin by April 1 of the year following the year in which you turn age 70-1/2. There are no mandatory withdrawal requirements for Roth IRAs.)
9. What pre-tax return do you expect on your investments once withdrawals begin (0 to 12 percent)?	%
10. What marginal tax bracket do you expect to be in at retirement?
11. For how many years do you intend to withdraw funds from your IRA?

We are licensed to sell Insurance Products in the following states:
California, Florida, Massachusetts, Maine, New Hampshire, New York, Pennsylvania, Rhode Island, Virginia.

We are registered to sell Securities in the following states:
California, Florida, Massachusetts, Maine, New York, Pennsylvania, Vermont.

Offering John Hancock insurance products.
Securities and Investment Advisory Services offered through Signator Investors, Inc.,
Member FINRA, SIPC, a Registered Investment Advisor.