Advisor tool — internal

Roth Conversion Evaluator

A multi-year Roth-conversion ladder analysis for a household: how much to convert each year filling to a target bracket, and what it buys in lifetime taxes, RMD reduction, IRMAA cost, and survivor (widow’s-penalty) protection. Built for the TTCM advisory desk to run alongside a client’s CPA — not a lead magnet, no email gate.

Household inputs

All figures in today’s dollars. Leave horizon blank to let the model run the ladder until RMDs begin.

Pre-tax IRA / 401(k) balanceTraditional, pre-tax only

Filing status

Primary ageOwner of the IRA

Spouse ageOptional

Other taxable incomeSS-taxable portion + pension + annuity, etc.

Target bracket ceiling

Horizon (years)Blank = until RMD age

Assumed growth rateAnnual, nominal

State (informational)Spouses on Medicare

Already on MedicareIf on (or about to be on) Medicare, conversions can trigger IRMAA surcharges two years later. Leave unchecked for a pre-65 household.

Internal analysis. All figures are estimates.

T&T Capital Management is an SEC-registered investment adviser (CRD #158407). This evaluator is an internal analysis aid; outputs are estimates for planning discussion, not tax advice, and should be coordinated with the client’s CPA before any conversion.