RothMatics · Conversion Analysis

Build a conversion plan

Enter the client's details on the left and RothMatics will size a Roth conversion strategy and produce an advisor-ready analysis.

1. 1
   Enter the client's details

   Household income, filing status, and each owner's Traditional IRA / 401(k) balance and age.

2. 2
   Build the plan

   Choose a pacing strategy and risk preference; RothMatics sizes the annual conversion and projects the outcome.

3. 3
   Review & export for the CPA

   Walk the client through the strategy, then export a clean copy for CPA sign-off.

What the plan includes

• Conversion window & annual pacing
• Three tax buckets & lifetime tax view
• IRMAA / Medicare surcharge impact
• After-tax family wealth (legacy)

Understanding the key inputs

Filing status

Married filing jointly or single. Sets the federal tax brackets, standard deduction, and Medicare (IRMAA) income thresholds the plan uses.

Pacing strategy

How much to convert each year. Secure Foundation keeps a steady, lower annual tax bill; Lifetime Tax Savings converts more each year to lower total lifetime taxes. RothMatics sizes the annual amount to fit the choice.

Risk preference

A firm-set illustrative annual return tied to a risk level (Conservative → Aggressive). It is an assumption — not a forecast or a specific investment — and drives the growth in the projection, shown net of the advisory fee.

Base target bracket

The top federal tax bracket the conversion "fills up to" each year, so the converted income stays within it.

Advisory fee (net-of-fee)

Illustrations are shown net of the advisory fee — auto-blended from the UAA schedule by account size — so growth reflects a return after fees.

Taxable-account tax drag

The share of a taxable account's return lost to taxes each year (e.g., on reinvested RMDs). Higher drag makes paying the conversion tax from outside cash more valuable, since tax-free Roth growth avoids it.

Heirs' tax rate (legacy view)

The heir's assumed tax rate on an inherited pre-tax IRA. Used only for the after-tax legacy comparison, not the conversion sizing.

Illustrative and educational only — not tax or legal advice. Figures are hypothetical and depend on the inputs and assumptions you provide, and are shown net of the applicable advisory fee. Suitability is evaluated separately with the client.