RothRx Blueprint Calculator v5

Client Roster

Client Profile

Client Full Name

Age

Filing Status

State

State Tax Rate (%) — auto-fills, adjustable

Prepared By

Report Date

Income Sources

Pension / Retirement Income ($)

Social Security Gross ($)

Investment / Dividend ($)

Wages / Other ($)

Tax-Exempt Interest ($)

Muni bonds etc. — added to MAGI for IRMAA only, not taxable income

SS COLA Rate (%)

Social Security cost-of-living adjustment per year (SSA avg: 2.5%)

Pre-Conversion AGI ($)

Standard Deduction ($)

IRA & Conversion Strategy

Total IRA Value ($)

Total Conversion Goal ($)

$350,000 ÷ $50,000/yr = 7 years

Annual Conversion ($)

Conversion Period (Years)

Post-Conv Growth Rate (%)

IRA Background Growth Rate (%)

Post-conversion growth rate (during term, IRA uses actual SPX returns)

IRMAA Inflation Rate (%)

Heir Federal Tax Rate (%)

Tax Funding Scenario

Scenario B — Standard

Client pays annual conversion taxes from the converted amount. Net after taxes enters the Indexed Growth Strategy each year. RMDs taken separately from the remaining IRA. Most common scenario.

Indexed Growth Strategy Parameters

SPX Participation Rate (%)

Annual Floor (%)

Advisory Fee (annual %)

SPX Period Label

IGS: floor-protected, point-to-point. No annual fees applied during conversion term. Fee applies to SMA comparison only. Post-conversion growth rate includes advisory fee net-down.

2026 Federal Brackets (Key Thresholds)

32% Starts — Single ($)

35% Starts — Single ($)

32% Starts — MFJ ($)

35% Starts — MFJ ($)

Full bracket waterfall used for tax calculations. Adjust thresholds if Congress updates 2026 inflation adjustments. IRMAA: Single thresholds ≈ half of MFJ.

SPX Annual Returns — Enter Each Year of Conversion Period

Enter actual S&P 500 point-to-point returns for each year. Negative years: IGS applies 0% floor (no loss). SMA uses actual returns minus advisory fee. Both scenarios start fresh each year — only the net credited return differs.

Client Roster

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RothRx Blueprint · IRA Baseline Assessment · · Print → Save as PDF

IRA Health Assessment · Prepared for

This report shows your IRA as it stands today — before any planning. No recommendations. No products. Just the numbers the IRS already knows about your account.

Client

Age

IRA Balance

Est. Tax Rate

Date

IRS's Embedded Claim

Year-1 Mandatory Distribution

Required at age — fully taxable income, no exceptions

10-Year Projected Tax + IRMAA Drain

Combined federal, state & Medicare surcharge — if nothing changes

What Your IRA Is Actually Worth — After Taxes

Your after-tax share:

IRS's embedded claim:

The Mandatory Distribution Schedule ·

What the IRS Requires You to Withdraw — Every Single Year

Required Minimum Distributions grow as your IRA grows. The larger your account, the larger the forced taxable withdrawal — regardless of whether you need the income.

15-Year RMD Projection · · No Conversion Assumed · IRA Growth Based on % Assumed Annual Return

Year	Age	IRA Balance (BOY)	Required Distribution	Fed + State Tax on RMD	IRMAA Tier	Medicare Surcharge	Total Yr Cost	IRA After RMD (EOY)

⚠ The SECURE Act 2.0 Inheritance Problem

RothRx Blueprint · 1-Page Summary · · Click button → your browser opens Print dialog → select "Save as PDF" as destination

RothRx Blueprint · Prescription for Tax-Free Retirement

This is what we found. This is what it costs you. And this is the prescription.

Client

Age

IRA Value

Scenario

Prepared

Qualified Acct. Advantage — Age 100

More with conversion vs. without

Est. IRS's Share of Your IRA

Year-1 RMD — Age

Required whether you need it or not — fully taxable

Annual IRMAA Cost (Current)

Indexed Growth Strategy — End of Term

Total Conversion Cost

What Happens If You Do Nothing

The RothRx Prescription —

Age — Today

Conversion Goal · plan begins

Age — Conversion Complete

Total qualified accounts with conversion

Age 90

Total qualified accounts WITH conversion

Age 100

Your next step takes 20 minutes.

Schedule your RothRx Strategy Session ·

Review My Blueprint

RothRx Blueprint · Full Report · · Click button → your browser opens Print dialog → select "Save as PDF" as destination

RothRx Blueprint · Tax-Free Retirement Prescription Confidential · Prepared for client review only

IRS Claim Inside Your IRA

Forced RMD — Age Taxable. Required. Growing every year.

Annual IRMAAEliminated when RMDs drop to zero

Prepared for

RothRx

Executive Summary

Embedded IRS Claim — Total

Phase 1 Eliminates

Full Conversion Eliminates

Zero RMDs · IRMAA drops to Base · /yr saved

Year-1 Forced RMD

Required now. Grows every year.

The prescription — phased to fit your bracket

The numbers at a glance

The conversion roadmap — your path to $0 IRS claim

Conversion Detail

Year · Age	SPX Return	Conv Amount	IGS Balance (contribs → P2P at end)	SMA Roth Bal.	Remaining IRA	IRA Tax Liability	IRMAA Tier	Annual IRMAA

⚠ IRMAA

Lifetime Projection & Opportunity Cost

Age	Tax-Free Roth	Remaining Trad. IRA	Tax Liability on IRA	Total Wealth	Annual RMD

The prescription is specific. The window is finite.

Year-by-Year Detail Tables

Account Overview — With Conversion (Strategy A)

Beginning-of-year IRA balance, RMDs taken, amount converted, taxes paid, and end-of-year values. ★ = P2P credit applied at term end.

Year	Age	BOY IRA	RMD	Converted	Taxes	EOY IRA	Roth (IGS)	Baseline IRA

Baseline — No Conversion

Same client, same IRA — no conversions taken. IRA continues to grow, subject to RMDs and full income tax exposure.

Year	Age	IRA Balance (No Conv.)	Annual RMD	Taxes Paid	IRMAA	EOY IRA	Roth Balance

Taxable Income Detail

Taxable Income — With Conversion

Each conversion dollar is added to your AGI as ordinary income. The table shows how your marginal bracket changes with the conversion in place.

Year	Age	Base AGI	+ Conversion	Total AGI	Std. Deduction	Taxable Income	Marginal Bracket

Taxable Income — Without Conversion

For comparison: your taxable income and marginal bracket if no conversion were taken. Includes mandatory RMDs from your traditional IRA each year — these are required income regardless of whether you convert.

Year	Age	Base AGI	+ RMD (Required)	Total AGI	Std. Deduction	Taxable Income	Marginal Bracket

IRMAA Detail

IRMAA Analysis — With Conversion

MAGI = Base AGI + non-taxable Social Security (15% of gross SS). IRMAA inflated at %/year per CBO projections.

Year	Age	Base AGI	SS Exempt (Added)	MAGI	IRMAA Tier	Annual IRMAA	Cumul. IRMAA

IRMAA — Without Conversion

Your IRMAA tier and annual cost if no conversion is taken. The final column shows the additional IRMAA cost the conversion adds each year.

Year	Age	Base AGI	SS Exempt (Added)	MAGI (No Conv.)	IRMAA Tier	Annual IRMAA	Extra Cost w/ Conv.

Annual Conversion Cost Summary

What Does the Conversion Cost Each Year?

The total annual cost of converting — broken down into federal tax, state tax, and IRMAA — expressed as a percentage of the amount converted. Your pension and SS income are unaffected; these costs are paid from conversion funds or savings. Green ≤ 30% · Amber 30–40% · Red > 40%

Year	Age	Amount Converted	Federal Tax on Conv.	State Tax on Conv.	Medicare Surcharge	Total Annual Cost	% of Conversion