Using the Roth Projection Tool

The Roth Projection Tool provides data-driven insights that help you maximize tax efficiency, reduce future liabilities, and create a more strategic approach to Roth conversions—ensuring your clients make informed, tax-smart decisions. 🚀

Watch this 10 minute video that walks you through the Roth Projection wizard, how to adjust fields, and how to read the output. 

Why Use the Roth Projection Tool?

📊 Optimize Roth Conversions for Maximum Tax Efficiency – The Roth Projection Tool helps you determine the ideal amount to convert by modeling the tax impact over time, ensuring you minimize lifetime tax liability.

💰 Reduce Future Tax Burdens – By projecting how Roth conversions affect long-term tax rates, Required Minimum Distributions (RMDs), and Social Security taxation, you can make informed decisions that keep more money in your clients' pockets.

📈 Compare Multiple Scenarios Instantly – Instead of estimating outcomes manually, the tool allows you to model different conversion amounts and timing strategies to see which option leads to the best financial outcome.

🔍 Avoid Medicare & Tax Bracket Pitfalls – Easily visualize how a Roth conversion could push a client into higher tax brackets or trigger Medicare IRMAA surcharges, allowing for proactive planning to avoid unnecessary taxes.

📆 Plan for Tax-Free Growth & Withdrawals – Roth conversions can provide clients with a tax-free income source in retirement. The tool helps demonstrate how growing a Roth balance today can provide significant tax savings in the future.

✅ Enhance Client Understanding & Decision-Making – By using clear projections, you can simplify complex tax planning concepts, helping clients feel more confident in their financial strategy.