Your Roadmap toSmarter Roth Conversions
Built for anyone with a 401(k), 403(b), or IRA. Understand the full tax impact of converting your retirement assets — including 2026 tax brackets and Medicare IRMAA surcharges — then consult your tax professional to take action.
Everything You Need to Understand Your Options
Our tool walks you through every aspect of Roth conversion planning, delivering the insights you need to have an informed conversation with your tax professional.
AI-Powered Document Analysis
Upload your tax returns, retirement account statements, and financial documents. Our AI engine extracts and analyzes the key data points relevant to your Roth conversion strategy.
2026 Tax Impact Modeling
See exactly how different conversion amounts affect your tax bracket, current-year tax liability, and long-term tax savings — using the latest 2026 federal tax brackets, year by year over your chosen time horizon.
IRMAA Medicare Surcharge Analysis
A large conversion can raise your Medicare Part B & D premiums through IRMAA. We estimate those surcharges — including the two-year lookback and "cliff" thresholds — so there are no surprises.
Insurance Strategy Integration
Explore how Fixed Index Annuities (FIA), Index Universal Life (IUL), and Whole Life policies can complement your Roth conversion to minimize lifetime tax exposure.
Side-by-Side Comparisons
Compare multiple strategies head-to-head with interactive charts and tables showing net wealth accumulation, cumulative taxes, and tax-free income projections.
Professional PDF Reports
Download a comprehensive, branded report summarizing your analysis — perfect for sharing with your CPA, tax attorney, or financial advisor.
Expert-Level Guidance
Receive educational insights throughout the process, explaining complex tax concepts in plain language — like having a knowledgeable advisor walk you through every step.
Information Your Analysis Will Include
Every analysis provides detailed projections and calculations across multiple dimensions of your financial picture, giving you a complete view of how a Roth conversion could impact your wealth.
How It Works
Our guided process makes it easy to explore your Roth conversion options, no matter how complex your financial situation.
Upload Documents
Share any supporting financial documents — tax returns, 401(k) statements, IRA balances, or insurance policies. Our AI will extract the relevant details.
Enter Your Information
Provide your age, filing status, income sources, and 401(k), 403(b) & IRA balances so we can tailor the analysis to your situation. Estimates are fine.
Model Conversions
Run multiple Roth conversion scenarios with different amounts and timelines. See the immediate tax impact alongside long-term wealth projections.
Explore Insurance Options
Discover how FIA, IUL, or Whole Life products could fit into your strategy to create tax-advantaged growth and reduce your overall tax burden.
Compare Strategies
Review all your options side by side with clear visuals showing which approach maximizes your net wealth while minimizing taxes.
Download Your Report
Generate a polished PDF report with your full analysis, ready to share with your qualified tax professional for final guidance.
Who Is This For?
This tool is designed for anyone who wants to understand their Roth conversion options before meeting with their financial or tax professional.
Ready to See Your Options?
Start your free educational analysis now. No sign-up required — your data stays private and is not stored permanently.
For Educational Purposes Only
This tool provides educational information about Roth conversion strategies and does not constitute legal, tax, or financial advice. The projections shown are estimates based on the information you provide and current tax laws, which are subject to change. Every individual's financial situation is unique. Please consult with a qualified CPA or tax attorney before making any financial decisions.
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