Client Inputs

Plan assumptions

Everything downstream — the annual model, strategy lab, state tax module, and Monte Carlo engine — recalculates instantly from these inputs. Values are saved in this browser.

Client profile

Client name

Filing status

Client 1 age

Client 2 age

First projection year

Projection years

People on Medicare

Drives the IRMAA surcharge multiplier.Resident state

Beginning balances

Total investable assets: $4,850,000

Taxable brokerage

Taxable cost basis %

Used to estimate embedded gains on legacy value.Traditional IRA / 401(k)

Roth IRA

Cash reserve

Other estate assets

Home, business, insurance — for the estate module.

Income and spending

Year-one figures; inflated annually.

Desired gross spending

Pension / annuity income

Other ordinary income

Qualified dividends

Long-term capital gains

Social Security

Enter each person's monthly benefit at full retirement age (the PIA on their SSA statement) and the age they plan to claim. We apply the SSA reduction or delayed-credit factor automatically.

Client 1 — monthly benefit at FRA ($/mo)

Born 1961; full retirement age 67. Equals $45,000/yr at FRA.Client 1 — claim age

Benefits begin in 2028: $3,750/mo ($45,000/yr) in today's dollars.Client 2 — monthly benefit at FRA ($/mo)

Born 1962; full retirement age 67. Equals $38,000/yr at FRA.Client 2 — claim age

Benefits begin in 2029: $3,167/mo ($38,000/yr) in today's dollars.

How the claim age is applied: claiming before full retirement age reduces the FRA benefit by 5/9 of 1% per month for the first 36 early months and 5/12 of 1% per month beyond that (about 30% at 62 with an FRA of 67). Claiming after FRA earns delayed retirement credits of 8% per year, up to 24% at age 70. Nothing is applied at FRA itself.

Household benefit once both have claimed: $83,000 per year in today's dollars. Nothing is counted as income before each claim age, so the years before benefits start show up as low-income conversion windows. These figures also seed the Social Security Timing calculator.

Growth assumptions

Inflation rate %

Taxable return %

Traditional IRA return %

Roth return %

Tax drag on taxable %

Assumed heir tax rate %

Used for inherited IRA and legacy comparisons.

Roth conversion strategy

These settings drive the 'Custom' strategy. The preset bracket-fill strategies always use their own targets.

Bracket fill target

Annual conversion override

Set above 0 to force a fixed amount.Conversion start year

Conversion end year

IRMAA guardrail

Stop conversions just below the next Medicare surcharge threshold.

Survivor and charitable settings

First death — years from now

0 disables the survivor scenario. Above 0 switches to single brackets and single IRMAA thresholds from that year.Survivor spending %

Survivor Social Security %

Share of the larger benefit that continues.Annual QCD amount

Comparable cash gift

Enable QCDs in the projection

Applies from age 70½, offsetting RMD income up to the annual limit.

Keep traditional IRA distributions, RMDs, Social Security taxation, and capital gains separate to avoid double counting. Conversions above the RMD are modeled as additional ordinary income in the same year, and required distributions are always satisfied before any conversion.