Roth Conversion & Tax Optimization

High-Fidelity Sample Simulation Result

RESEARCH_GRADE
GENERATED: 2026-08-25
Roth Conversion & Tax Optimization Sample Report
Interpretation Guide

This visualization represents a deterministic, multi-pass optimization sweep. The engine evaluates thousands of potential MAGI (taxable income) targets across a 35-year horizon to identify the strategy that maximizes long-term purchasing power while minimizing friction (taxes and health insurance costs).

SIMULATION INPUT PARAMETERS
Model Inputs
Portfolio & Spending
Traditional Pre-Tax Balance$1,150,000
Roth IRA Balance$0
Taxable Cash Balance$0
Target Annual Spending$100,000
Taxable Account Cash %50%
Timeline & Social Security
Retirement AgeAge 60
Planning End AgeAge 95
Social Security Annual Benefit$80,000
Social Security Claim AgeAge 67
Supplemental IncomeNone
Tax & Household Settings
Filing StatusMarried Filing Jointly
Household Size2
State of ResidenceCO
Health Insurance Premium (Age 64)$14,000
Avoid Medicaid (<138% FPL)Yes
SEPP / 72(t) Penalty ExemptionDisabled
Investment Return Assumption4.0% Real
Optimization Audit Summary
Total Portfolio Value$391,044
Owner Utility (10yr Horizon)$386,020
Heirs Utility (10yr Horizon)$333,630
Total Lifetime Friction$294,188
  ↳ Total Federal Income Tax$120,150
  ↳ Total Health Care Spend$174,038
  ↳ Total ACA Subsidy Received$109,962
Final Year Effective Tax Rate1.7%
Assumed Heirs Tax Rate20.0%
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