Retirement Income & Distributions

72(t) Calculator

Estimate penalty-free SEPP withdrawals for clients retiring before 59½.

Early retirement

Required Minimum Distribution (RMD)

Calculate current RMD amounts and estimate future required distributions.

RMD planning

Beneficiary RMD Advanced Options

Model beneficiary RMD rules across spouse, non-spouse, minor and eligible designated beneficiaries.

Inheritance

RMD and Stretch IRA

Explore distribution approaches for spouse beneficiaries and designated beneficiaries.

Legacy planning

Social Security Benefits

Estimate benefits to support timing and income-gap conversations.

Income planning
Planning & Analysis

Retirement Planner

Quickly assess whether a client is on track and what levers may help.

Holistic planning

Roth vs. Traditional IRA

Compare contribution types and potential outcomes by tax timing.

Tax strategy

Internal Rate of Return (IRR)

Evaluate implied return from cash flows to support product comparisons.

Performance
Life Insurance Planning

Comprehensive Life Insurance Analysis

Estimate need using a deeper net worth / budget / education savings view.

Full analysis

Life Insurance Needs

Quick estimate of coverage needs to start the protection conversation.

Quick estimate