pre-tax nominal rate of return instead, individual, someone, examples

AnalystForum

When you're fining the pre-tax nominal rate of return for someone in an individual IPS, I've seen examples when they take the salary or whatever and then take the taxes out and use that to find the return requirement. In other examples they don't do that, and instead they go to the end and find the return requirement and then divide that by (1-T). When do you do which?