How it works

A preliminary estimate built from ten answers.

Agent Roth turns a small set of approximate inputs into an educational retirement-tax planning illustration. It is designed to frame questions, not decide a conversion.

  1. 1

    Answer ten questions

    Enter approximate household, age, retirement-account, Social Security, income, lifestyle-need, and contribution information. Estimates are enough.

  2. 2

    Review the illustration

    The report applies stated assumptions to show a preliminary score, account-growth illustration, planning window, and topics that may deserve more review.

  3. 3

    Decide what to verify

    Use the report to prepare questions for appropriately qualified tax and financial professionals before making a transaction.

What the model can illustrate

  • Potential growth of the entered retirement balances under a stated annual-return assumption.
  • How far the household may be from the modeled required-minimum-distribution age.
  • General interactions worth discussing, including Social Security timing, taxable income, RMDs, and Medicare IRMAA.
  • A directional comparison between pre-tax and Roth account exposure.

What it cannot determine

  • Your actual federal or state tax liability.
  • The best conversion amount or timing for your household.
  • Future tax law, market returns, inflation, withdrawals, fees, or health costs.
  • Account basis, plan-specific restrictions, estate details, or other facts not entered.