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Advisor Use Only

Bracket Analyzer

How much can I convert? Fill a selected federal bracket or stay below the first IRMAA threshold, then show the effective tax cost.

How to use this tool
  1. Enter the current tax stack before the Roth conversion.
  2. Choose the federal bracket to fill, or choose below IRMAA to stop before the first Medicare surcharge threshold.
  3. Use detailed income only when state taxation, tax-exempt interest, or IRMAA MAGI needs more precision.

Bracket Analyzer scope

Use the result to identify bracket room or IRMAA headroom. Final tax planning should be confirmed with tax software or a tax professional.

Tax year2026 federalGoalcapacity estimateIRMAAthreshold screenOutputhow much can convert

Inputs

This is the fast version: current-year tax stack in, conversion room and effective cost out.

1

Tax profile

Current-year facts before conversion.

State precision: modeled screen only. Verify state-specific rules before client use.
Optional. Leave blank for pure tax room; enter the actual IRA amount available to show usable conversion.
2

Deductions and detail

Defaults are intentionally simple.

Includes the regular senior add-on and enhanced senior deduction when eligible.
Enter the tax stack, then analyze conversion room.
Disclosures
Educational use only.

These tools are intended for advisor education and planning conversations. They are not a recommendation or client-specific advice.

Not tax, legal, investment, or product advice.

Tax, legal, investment, and insurance decisions should be reviewed with the client’s qualified professionals and the advisor’s compliance process.

Illustrative assumptions.

Outputs depend entirely on user-entered assumptions and simplified formulas. Actual results may differ materially.

Tax estimates are simplified.

Tax calculations use 2026 federal brackets, 2026 IRMAA, and the temporary 2025-2028 enhanced senior deduction. They may not fully reflect deductions, credits, state taxation, Social Security taxation, AMT, NIIT, filing-status changes, or future law changes unless explicitly modeled.

IRMAA is timing-sensitive.

Medicare surcharges generally use MAGI from two years prior. This tool estimates the surcharge impact using the current tax stack and age inputs.

Product and rate assumptions.

Any annuity bonus, cap, participation, fee, income, or legacy value shown is hypothetical unless supported by current carrier-approved materials.

No guarantees.

Projections do not guarantee future performance, income, tax treatment, product availability, or client outcomes.

Compliance review required.

Client-facing use, screenshots, exports, and presentations should be reviewed under the advisor’s firm, broker-dealer, RIA, IMO, carrier, and state requirements.

Client-specific review required.

Before implementation, verify account values, cost basis, beneficiary designations, liquidity needs, surrender schedules, fees, riders, tax forms, and client objectives.