Convert now, over time, or not at all. Model it before you recommend it.
Convert now, defer a year or two, spread it over a longer period, or leave the balance alone: RothEdge runs the plan beside the no-conversion path with the full tax picture, year by year, so the recommendation you make is the one this client's numbers support.
Live now and included in the Complete Bundle. Reads the same client profile as ProbateEdge and CharitableEdge.
A pre-tax balance is a tax bill that compounds.
Every dollar left in a Traditional IRA grows with a deferred tax bill attached, and Required Minimum Distributions can push a retiree into higher brackets, trigger Medicare surcharges, and tax more of their Social Security. RothEdge shows the whole arc: what a planned series of conversions costs today, and what leaving the balance alone costs across a lifetime and an heir's ten-year window.
It fills the bracket, not just the account. The engine models conversions year by year against the client's real income, so you can convert up to a chosen bracket ceiling without spilling into the next one, and see exactly where the next dollar changes the picture.
Then it runs the same client with no conversion, side by side, so the comparison is a like-for-like read of two futures rather than one hopeful projection.
RothEdge names the lifetime tax paid under each path, the RMDs removed from future returns, and the tax-free balance the heirs inherit instead of a SECURE Act ten-year bill.
Convert on purpose
Model a series of conversions filling a chosen bracket each year, bounded by the client's real income.
Watch the ripple
Every conversion year re-checks brackets, IRMAA tiers, RMDs, and Social Security taxation together.
Show the comparison
Lifetime tax, RMDs, and what heirs receive, under the plan and under doing nothing, so the client sees both futures.
Every number is one you can defend in the meeting.
A conversion illustration is only as good as the tax code behind it. RothEdge carries the interacting rules year by year, so the projection you present reflects how the return actually behaves, not a flat-rate approximation.
Bracket-aware, year by year
Federal brackets applied on post-deduction income each year, with the OBBBA senior deduction and qualified surviving spouse (QSS) status carried through.
IRMAA surcharge tiers
Each conversion year is checked against Medicare IRMAA thresholds on the income that counts, so you can show where a conversion trips a surcharge and where it stays clear.
RMD schedules, SECURE 2.0
Required Minimum Distributions modeled on the current SECURE 2.0 starting ages and IRS life-expectancy tables, so the RMDs a conversion removes are real.
Social Security and the tax torpedo
Provisional-income taxation of Social Security is modeled, surfacing the tax torpedo where a conversion pushes more benefits into the taxable range.
Inherited-IRA, ten-year rule
Models what a non-spouse heir inherits under the SECURE Act ten-year rule, so the beneficiary tax cost of leaving a pre-tax balance is part of the picture.
Per-account attribution
Conversions are attributed across the client's accounts by age-weighting, so multi-account households convert from the right places, not a single blended pool.
Dual (household) mode
Model both spouses together, each with their own accounts, RMDs, and conversions, so a married household is planned as one coordinated picture rather than two separate runs.
Brokerage or annuity, modeled on its actual terms
Model the strategy with the vehicle that fits your license and business model, a brokerage-held IRA or a fixed indexed annuity. When the money sits in an annuity, free-withdrawal allowances, carrier rules, and surrender terms are respected instead of assumed away.
The conversion plan against doing nothing, side by side.
Every projection runs the conversion plan next to a no-conversion baseline and reports the difference in the terms clients understand.
Training videos in every section.
RothEdge is deep, so the guidance is built in. Each section of the tool has a short "Watch training" clip that walks an advisor through what the inputs mean and how to read the output, so you are never guessing at a field or a chart.
Learn a section the first time you use it, and come back to the clip whenever a client question sends you somewhere new in the tool.
Set up the client, filing status, and horizon so the projection starts from the right facts.
Enter balances, growth, and account types the conversions will draw from.
Choose the bracket to fill and the years to convert, and read the yearly effect.
Read lifetime tax, IRMAA, RMDs, and the inherited-IRA comparison.
A client entered once is ready everywhere.
RothEdge reads the same shared client profile as ProbateEdge and CharitableEdge, so the household you build in one tool is the household you plan with in all of them. When CharitableEdge finds a residual the charitable cap can never reach, it hands that convert-now figure straight into RothEdge as a starting scenario, no re-keying.
CharitableEdge
Surfaces the residual balance and its convert-now value, then sends that exact amount to RothEdge as a starting conversion scenario.
RothEdge
Opens with the client's data intact and models the conversion with the full tax picture, ready to present in the same meeting.
Show them the right path, with the numbers behind it.
Pull up a client, set the plan, and read it against the no-conversion path in seconds.