Learn how to model a Roth conversion.


MaxiFi will allow you to compare two or more IRA to Roth conversion strategies that you create and show you the impact on present value of lifetime taxes as well as the impact on annual discretionary spending and Medicare B premiums. But it will not examine the nearly infinite number of possible combinations of dollar amounts and patterns of time and figure out, then recommend, which pattern is the optimal.  

Please note: There are rules related to how long you must wait to withdraw from a Roth account both after opening it and after contributions or conversions. MaxiFi does not account for these rules so you should consider them separately before implementing any conversion plan. This article provides some information about these rules, but you may want to consult with a tax or financial advisor.