Build a strategy, not a bracket guess.

Required spending stays fixed while conversion, claiming, QCD, consumption, and funding policies compete.

Household & assets

Jamie 64 · Morgan 62 · Arizona

Traditional IRAs$Roth IRAs$Taxable brokerage$Cash reserve$

Required annual spending (real)$

Economic assumptions

Nominal returns · real discount rate

Traditional return%Roth return%Taxable total return%General inflation%Real discount rate%

Decision settings

Objective

Future tax law

Search precision

Planning horizonDeterministic deaths at ages 91 and 96, followed by two beneficiary states and optimized inherited-IRA distributions.

Illustrative manual schedule2026 federal · Known lawFuture indexing · User assumption3% real discount

Maximize after-tax legacy

Taxes and legacy are optimized separately. A higher-tax plan can still leave more after tax to beneficiaries—and the reverse can also be true.

Ready

PV after-tax legacy

$1.7M

+$156.23K vs. no conversions

PV lifetime taxes

$488.09K

-$30.39K vs. no conversions

PV consumption

$2.43M

$0 discretionary nominal

Conversion taxes

$74.66K

Incremental federal + state tax

IRMAA surcharge

$31.81K

Two-year-lagged Part B/D effect

Current plan is a manual comparison

Run the optimizer to produce independently optimized tax-minimum and legacy-maximum plans.

Year-by-year policy

Gross conversions, required minimum distributions, and total tax in nominal dollars

Roth conversionRMDTotal tax

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Tax funding is finite

Sales realize gains; IRA-funded tax creates more ordinary income. The ledger closes the resulting tax loop and records lost outside compounding.

Survivor continues

The first death changes ownership, Social Security, expenses, deductions, brackets, and Medicare thresholds. The simulation does not stop.

Spending held constant

Compared strategies fund the same required consumption. A plan cannot create legacy by silently starving the household.