Retire on your terms.
Every retirement account has different rules, limits, and interactions. We model all of them together — so you see the compound impact of each decision.
The contribution hierarchy.
There’s an optimal order: employer match first (it’s free money), then max your 401(k), then backdoor Roth IRA, then mega backdoor Roth if available. Each step has different contribution limits, income thresholds, and tax treatment. We model the interactions — because maxing one account can change the optimal strategy for another.
Every account has different rules.
Traditional 401(k) contributions reduce your taxable income today. Roth contributions don’t — but they grow tax-free forever. A SEP IRA lets you contribute up to 25% of self-employment income. A SIMPLE IRA has lower limits but allows employer matching. We track each account’s rules, contribution limits, and income phase-outs so you never leave money on the table.
The withdrawal puzzle.
Accumulation is half the game. The other half is withdrawing efficiently. Required Minimum Distributions start at 73 and can push you into higher tax brackets. A Roth conversion ladder — converting traditional dollars to Roth during low-income years — can dramatically reduce your lifetime tax burden. SEPP/72(t) distributions let you access retirement funds before 59½ without penalty. We model the sequence.
Strategies we model
Each strategy is analyzed by our engines in the context of your full financial picture.
401(k) Optimization
Pre-tax and Roth contribution modeling with employer match maximization.
Backdoor Roth IRA
Income-agnostic Roth access through non-deductible Traditional IRA conversion.
Mega Backdoor Roth
After-tax 401(k) contributions with in-plan Roth conversion — up to $69K total.
SEP IRA
Up to 25% of self-employment income — the highest-limit individual retirement account.
Catch-Up Contributions
Additional $7,500/year after 50 — and the new super catch-up at 60-63.
RMD Management
Strategic Required Minimum Distribution planning to minimize tax bracket impact.
SEPP / 72(t)
Substantially Equal Periodic Payments for penalty-free early retirement access.
Roth Conversion Ladder
Staged conversions during low-income years to build tax-free withdrawal capacity.
Deploy your capital into what matters.
26 analysis engines. 76 strategies. Zero advisory fees.
No credit card. No commitment. No jargon.
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