Every retirement decision, projected together

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Tax Strategy

• Roth Strategy: How much to convert each year without triggering IRMAA or crossing the ACA cliff
• Tax Cliffs: See which years your income crosses a threshold and exactly what it costs
• Retirement Plan Optimizer: Whether pre-tax or Roth contributions save more tax over your lifetime

Income & Healthcare

• Social Security: Which claiming age wins for your numbers, including survivor benefit impact
• Healthcare: The exact income level where you lose the ACA subsidy and what IRMAA costs you
• SEPP Planner: Access your IRA before 59½ — all 3 IRS methods compared with your actual balance
• RMD Analyzer: How large your forced withdrawals will be and whether they push you into a higher bracket

Risk & Longevity

• Risk Analysis: The probability your plan survives to 95 across 1,000 different market sequences
• Bucket Strategy: How much cash to hold in each bucket so you never sell stocks at the wrong time
• Life & Spending: Go-Go, Slow-Go, No-Go phase modeling with long-term care cost planning

Planning & Reporting

• What-If Workshop: Test any scenario instantly — retire earlier, change spending, move states
• Projection Table: Every year to age 95: exactly where the money comes from and where it goes
• Compare Scenarios: Which decision moves the needle most — side-by-side across up to 5 strategies
• Legacy Planning: What your heirs owe on inherited accounts and whether Roth conversion changes that
• Inherited IRA: Full 10-year forced distribution schedule with year-by-year tax cost
• Full Report: Complete written plan with a shareable live link for your advisor