Professional Analysis
Lifetime Tax Analyzer

Client Profile & Demographics

Enter the client's personal information. This drives filing status, tax calculations, Medicare eligibility, RMD ages, and mortality modeling throughout the analysis.

Primary Client

Required
Required
Required
Required
Required
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Spouse / Second Client

Required
Required
Required for MFJ

State of Residence & Tax Jurisdiction

Required

Planning Horizon

Age through which the analysis will run. Default: 90. Must be between 70 and 110
Legacy & Heirs
%
Used to compute the after-tax ("net") legacy value of unconverted IRA balances. Default: 22%.
Age at which Medicare Parts B and D begin. Default: 65.

Global Rate Assumptions

Overridable

These defaults are used throughout the analysis. Each income source and asset can override these individually where applicable.

% / year
Pre-populates growth rate on all asset accounts. Override individually as needed.
% / year
Pre-populates fee rate on all asset accounts. Override individually as needed.
💡 Global defaults — these rates pre-fill every asset account you add. You can override them individually on each account.
% / year
Annual rate used to index the standard deduction. Default: 2.7% (historical average).
Active rate: % / year
Active rate: % / year

Income Sources

Add each income source that applies to this client's profile. Use the Advanced button on any entry to view and edit the year-by-year schedule.

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No income sources added yet

Click "Add Income Source" below to begin building the client's income profile.

Income sources complete?

Proceed to enter the client's asset accounts — IRAs, investments, and more.

Asset Accounts

Add each account in the client's financial profile. Use the Advanced button on any entry to view and edit the year-by-year balance projection.

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No asset accounts added yet

Click "Add Asset Account" below to begin building the client's asset profile.

Asset accounts complete?

Proceed to run the lifetime tax analysis across all 7 scenarios.

Roth Conversion Decision Analysis

The client journey opens first. Detailed calculations, audit tables, Survivor controls and the Strategy Engine remain available separately in the Advisor / Audit Workspace.

Add Income Source

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Social Security
SSA benefit with COLA & provisional income
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Wages / Salary
W-2 income with 401(k) & employer match
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Pension
Defined benefit with survivor options
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Other Income
Royalties, part-time work, or any custom income stream
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Business Income
Owner's draws, pass-through income, K-1 distributions, consulting
💡 Income generated by assets—including annuities, business interests, and rental properties held as assets—is entered in the Assets section. Annuities are entered as assets even when they are currently paying, or will later provide, guaranteed income.

Add Asset Account

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Qualified Account
Traditional IRA, 401(k), 403(b) — pre-tax, RMD required
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Non-Qualified (Taxable)
Brokerage account — ordinary income & capital gains
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Roth IRA
Tax-free growth, no RMDs, conversion target account
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Cash Reserves
Savings, money market, CDs — interest as ordinary income
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Inherited IRA
Non-spouse inherited — 10-year rule or lifetime RMDs
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Inherited Roth IRA
Tax-free distributions — 10-year liquidation required
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Annuity
Income or Accumulation — tracks contract value, payouts, and planned withdrawals
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Business Interest
Ownership stake in a business — current income, cost basis, anticipated sale age & value
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Rental Property
Rental real estate — property value, net income, tax basis and anticipated sale
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Life Insurance
Term or cash value coverage — death benefit and optional policy loans

Strategy Detail