Reposition on a plan, not on a pitch.
ShiftEdge models a coordinated, multi-year reallocation between managed money and annuities across a household, on a deliberate glide that keeps the mix balanced. It gives the move a rationale and a documented picture, and it is monitored every year, not sold once.
Live now and included in the Complete Bundle. Reads the same client profile as the rest of the suite.
A reallocation is a decision, so give it a rationale.
Moving money from managed accounts into an annuity all at once is a single moment with a single set of assumptions. ShiftEdge treats it as a glide instead: a sequence of measured moves over several years that keeps the household allocation balanced along the way, so the client can see where the mix lands each year and why. The plan is something you monitor and revisit, not a one-time pitch that ages the day after it is signed.
It projects the household, then paces the move. The engine models managed balances and annuity value year by year, applies the reallocation on a schedule, and shows the allocation converging toward the target rather than jumping to it.
Because every year is modeled, the picture holds up as a plan a client and advisor return to. When markets or the household change, you revisit the glide and adjust the remaining moves, instead of relitigating a single decision made years ago.
The reallocation is a documented, year-by-year path. ShiftEdge shows the movement sequence so the next move is always clear, and the whole plan stays a living conversation.
Set the balance
Establish where the household allocation should land between managed money and annuities.
Pace the glide
Spread the reallocation across several years so the mix converges toward the target instead of jumping.
Monitor and adjust
Revisit the glide each year and tune the remaining moves as markets and the household change.
The move is only as good as the mechanics behind it.
ShiftEdge models each spouse's accounts separately and applies the tax and contract rules that actually govern a reallocation, so the plan you present is one a client can execute and one that stands up when someone checks the math.
Per-owner household modeling
Client and spouse accounts carry their own balances and mechanics across the full horizon, so a move is bounded by the account it actually comes from, never a household average that overstates what is possible.
Tax-aware, the way it really works
Section 72 LIFO gains-first on a non-annuitized surrender, and proportional long-term capital gains on a non-qualified managed sale. The tax cost of each move is computed on the mechanics that apply, not a flat estimate.
Annuity contract mechanics
MYGA and FIA crediting, per-cohort bonus vesting, declining surrender charges, and a market value adjustment on the exiting contract are all carried year by year, so the value that funds each move is the real one.
Medicare and deductions in the picture
Each year is checked against IRMAA tiers on the income that counts, and unused standard deduction shelters long-term gains, so you can show where the glide keeps a client under a surcharge threshold and where it does not.
Name the target, and let it find the glide.
Set a target household annuity percentage or an income target, and ShiftEdge binary-searches the glide to reach it, then lays out the year-by-year movement sequence that gets there. You present the destination and the exact steps, not a guess you have to defend.
Target annuity percentage
Solve the glide to a chosen household mix between managed money and annuities.
Income target
Solve to a level of contractual income the household wants the annuity side to produce.
Illustrative sequence. Actual moves depend on the accounts, contracts, and target entered.
One screen, the whole glide.
Every projection reports the reallocation in the terms a client understands, year by year, with the tax and Medicare consequences of each move made explicit.
A client entered once is ready everywhere.
ShiftEdge reads the same shared client profile as RothEdge, ProbateEdge, and CharitableEdge. Pull up a household you already know, model the reallocation, and move between tools without re-keying a single figure.
ShiftEdge
Models the managed-money to annuity reallocation on a monitored glide, using the household you already built.
The rest of the suite
RothEdge, ProbateEdge, and CharitableEdge read the same client, so the reallocation sits alongside the conversion, estate, and charitable picture for one household.
Give the reallocation a plan they can see.
Pull up a client, set the target, and read the year-by-year glide in seconds.