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

Social Security — Client 1

Social Security — Client 2

Other ordinary income

Qualified dividends

Long-term capital gains

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.