Free Planning Tools
Retirement calculators built for pre-retirees with $1M+ in pre-tax accounts
20+ tools covering Roth conversions, RMDs, Social Security, income sequencing, and more. No login required. Results delivered to your inbox.
Most Relevant for Arizona Pre-Retirees
Roth Conversion Bracket Analyzer – 2026
Dial in a Roth conversion while staying inside your target 2026 marginal tax bracket. Built for the post-TCJA cliff.
RMD Tax Cost Estimator
See what the IRS will collect from your pre-tax accounts, across your lifetime and your heirs. Eye-opening for $1M+ IRA owners.
Social Security Analyzer
Plot out claiming strategies in seconds and compare monthly and lifetime benefits for ages 62–70, including spousal coordination.
Monte Carlo Retirement Simulator
Run thousands of scenarios to stress-test your retirement spending plan across market conditions, including bad sequence-of-returns years.
Roth & Tax Strategy
Roth Conversion Helper
Understand the potential tax impact and long-term benefits of partial Roth conversions.
Tax-Efficient Withdrawal (Arizona)
Compare withdrawal sequences and project after-tax wealth and lifetime taxes for Arizona residents.
Capital Gain & Loss Harvesting
Identify tax lots to harvest, estimate current-year tax impact, and compare long-term outcomes.
Retirement Income & Risk
Safe Withdrawal Rate Simulator
Model withdrawal strategies and portfolio longevity under different market sequences.
Sequence of Returns Risk Analyzer
Stress-test retirement withdrawals against early downturns to quantify depletion risk.
Retirement Readiness
Estimate whether your current savings and spending plan are on track for retirement.
Retirement Readiness Scorecard
One-screen summary of savings, income, tax, and legacy, with action steps.
Required Minimum Distributions
Portfolio & Risk Alignment
Social Security & Pensions
Pension Lump Sum vs Lifetime Income
Explorer Tool
Answer a few questions to get a directionally correct recommendation on your pension decision.
Planning Decisions
Retirement Healthcare Decision Tool
Explorer Tool
Understand how your health insurance changes before and after age 65.
Dormant 401(k) Rollover Decision Tool
Explorer Tool
Answer a few questions to see your best rollover path for an old employer plan.
Real Estate Rental Opportunity Cost Calculator
Compare keeping a rental vs. selling and investing the net proceeds over time.
Want a second set of eyes on your numbers?
These tools give you a starting point. A coordinated retirement tax strategy goes deeper: Roth conversions, RMD timing, Social Security, and withdrawal sequencing built together into one plan.
Schedule a Strategic Fit InterviewNo commitment. No sales agenda. 30 minutes.