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
👤

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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Rental Income
Net rental with depreciation & sale planning
➕
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 from assets (annuities, business interests, rental properties held as assets, etc.) is entered in the Assets section on the next step.

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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Life Insurance
Term or cash value coverage — death benefit and optional policy loans

Strategy Detail