Roth Conversion & Tax Optimization

High-Fidelity Sample Simulation Result

RESEARCH_GRADE

GENERATED: 2026-05-31

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).

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 Rate	1.7%
Assumed Heirs Tax Rate	20.0%

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