Free planning tools
Quick, useful tools to help you think about your investments and retirement. No login required, no commitment, no recommendations — just math, transparently shown.
Retirement Planning Scenario
One intake, four decisions — Roth conversion, RMD trajectory, Social Security claim age, and the tax-torpedo / IRMAA ceiling — run together as one coordinated picture. The single biggest mistake in retirement planning is optimizing these four in isolation; this tool shows how they interact.
Run the coordinated scenario →Roth Conversion Calculator
Should you convert, and how much? Weigh today’s tax cost against a lifetime of tax-free growth and lower future RMDs — with the IRMAA and tax-torpedo ceilings that cap a sensible conversion built in.
Model the conversion →RMD Calculator
See your required minimum distributions year by year, the lifetime tax they’ll trigger, and how much a Roth-conversion strategy in your bridge years could shrink them.
Project your RMDs →Social Security Claim Optimizer
When should you claim? Compare lifetime benefits across claim ages — including spousal and survivor coordination — and see how the timing feeds into your taxes and conversion ceiling.
Find your claim age →Tax-Torpedo & IRMAA Calculator
The “torpedo” zone where each extra dollar of income drags more Social Security into taxation — pushing your real marginal rate far above the bracket. See where it hits and the safe conversion ceiling that keeps you under the IRMAA cliffs.
Find the torpedo zone →Sequence-of-Returns Monte Carlo
Two retirees with the same average return can end up worlds apart if one hits a bad decade first. See how the order of returns — not just the average — changes whether your money lasts.
Stress-test the sequence →Retirement Calculator
Project your retirement balance, withdrawals, and the probability your portfolio lasts. Monte Carlo simulation across 10,000 market scenarios.
Run the calculator →Retirement Readiness Check
Am I ready to retire? Put your savings next to your expenses and guaranteed income — Social Security, pension, annuity — and get a plain-English surplus or shortfall verdict in seconds.
Check your readiness →Financial Questionnaire
A short discovery questionnaire — risk tolerance, goals, time horizon. Get a personalized investor risk profile in under 5 minutes.
Take the questionnaire →IRMAA Calculator
Planning a Roth conversion? See exactly which Medicare premium tier line you'd cross, what the household surcharge would be, and the 2-year lookback that determines when it hits.
Map the cliffs →Medicare Cost & Enrollment Planner
See your lifetime Medicare cost, the IRMAA surcharge your income triggers, and your enrollment windows — including the COBRA trap and late-enrollment penalties that follow you for life.
Plan your Medicare →Inherited IRA Calculator
Under the SECURE Act, non-spouse heirs must drain inherited IRAs within 10 years. See the federal tax bill on a Traditional inheritance vs. what a Roth conversion would deliver instead.
See the inheritance math →Estate Tax Exposure
The federal exemption is high — but 12 states and DC tax estates with thresholds far below federal. See your federal + state exposure with one input form.
Check your exposure →Annual Gifting Strategy
What does 20 years of consistent annual-exclusion gifting actually shift out of your taxable estate? The compounding math is bigger than you think.
See the lift →Estate Planning Organizer
An adaptive checklist of the documents, designations, and decisions in your estate plan. Get a complexity read and a personalized PDF of what’s in place and what’s missing — ready to hand to your attorney and CPA.
Organize your plan →Dynamic Wealth Record / Legacy Binder
One complete record of everything you own — accounts, property, insurance, documents, and contacts — built so your family can pick it up and know exactly what exists. We’ll build it for you free; all we ask is a 45-minute review.
Build your Legacy Binder →Roth Conversion Evaluator (advisor)
An advisor-internal tool: model a multi-year Roth-conversion ladder for a household — recommended annual conversion, lifetime tax savings, RMD reduction, IRMAA cost, break-even, and the widow’s-penalty hedge. Estimates to run with the client’s CPA.
Evaluate the ladder →Legacy Binder Builder (advisor)
An advisor-internal tool: enter a client’s complete financial record — including their TTCM accounts — and generate the branded Legacy Binder PDF on the spot. The full-record companion to the client-facing Wealth Record intake.
Build the binder →Estate Planning Primer
A plain-English walk-through of beneficiary designations, revocable vs. irrevocable trusts, step-up in basis, and charitable strategies. The educational hub for estate planning conversations.
Read the primer →Life Insurance Calculator
Two modes in one tool: income replacement for younger families (DIME method) and estate-liquidity sizing for HNW households whose heirs will face a multi-million-dollar estate-tax bill.
Size your coverage →Long-Term Care Cost Calculator
~70% of 65-year-olds will need some long-term care. Nursing home median runs $100K-$180K/year depending on state. See your projected exposure and whether to self-insure vs. consider a hybrid LTC policy.
See the exposure →Annuity Calculator
Two modes in one tool: turn a lump sum into guaranteed lifetime income (SPIA), or project tax-deferred growth on money you won’t touch for years — with the honest trade-offs on whether an annuity belongs in your plan at all.
Run the numbers →Whole vs. Term Life
“Buy term and invest the difference” — run the comparison honestly. See whether investing the premium savings beats whole-life cash value over your horizon, and the cases where permanent coverage actually wins.
Compare the two →Reverse Mortgage / HECM Calculator
Not the traditional “cash-strapped retiree” framing. The peer-reviewed strategy: open a HECM line-of-credit while you don’t need it, let the unused credit line grow, then draw on it during market drawdowns to avoid selling portfolio assets at the bottom.
See the standby strategy →