Client Data Form
Which client would you like to load?
Found 0 client(s) in that file. Loading a client will replace anything currently entered in this form.
Roth Conversion Tool
Models the actual tax cost of converting a given amount this year \u2014 using the client's real bracket, not a flat-rate estimate. Pulls filing status and taxable income from the form if already entered.
RMD Calculator
Uses the IRS Uniform Lifetime Table. Applies to most account owners \u2014 not to those whose sole beneficiary is a spouse more than 10 years younger (that uses a different table) or to inherited accounts.
Social Security Claiming Optimizer
Uses SSA's official reduction/credit formulas: 5/9% per month early for the first 36 months (5/12% per month beyond that), and 2/3% per month (8%/year) for delaying past Full Retirement Age, up to 70.
QCD Optimizer
Qualified Charitable Distributions require the IRA owner to be 70½ \u2014 a different (earlier) threshold than the RMD start age. 2026 annual QCD limit: $111,000 per person.