📊 Financial Planning Tool

For each plan year, how much additional ordinary income (e.g. a Roth conversion) could be added before crossing the next federal bracket, IRMAA tier, NIIT threshold, LTCG bracket, Social Security taxation tier, or Additional Medicare Tax threshold — based on that year's own actual projected income. Never a one-time blanket recommendation: a client's income, capital gains, and tax law change every year, so this is meant to be revisited each time the plan is updated.

Full breakdown of each tax cliff for this year — the highlighted one sets the limit:

Want to test a specific amount instead of the suggestion above? Purely a preview — nothing here changes the plan until you send it to the Scenario Builder.

A polished, Dashboard-style report: title, KPI tiles, and charts laid out together on each page — not one chart per page. Each selected view also gets its own Balances page (Assets by Account Type + Allocation), anchored to that phase — today for Current, at retirement for Start→Retirement, end of plan for Post-Retirement.

Captures the ACTUAL Dashboard charts for a chosen view — one page per chart, with an optional commentary box on each. Run the same chart again under a different Phase View or Scenario to build a side-by-side comparison, one slide at a time.

Pick already-run scenarios (e.g. a different Growth Rate layer per scenario) and get a full Dashboard-style page per scenario — KPI tiles, Net Worth, Sources of Income, Account Mix — plus its own Balances page (Assets by Account Type + Allocation), so assumptions can be compared side by side in one PDF. Run scenarios in the Scenario Builder tab first.