Roth conversion demo.

A CFP site should do more than say retirement planning. This demo shows the kind of interactive planning path we can build: inputs, assumptions, an educational result, and a lead summary an advisor can actually use.

Educational illustration only. This is not tax, legal, investment, retirement, or financial planning advice.

Could a Roth conversion make sense this year?

Age 62 Current taxable income $120,000 Pre-tax retirement assets $1.3M Selected planning ceiling $185,000 Proposed Roth conversion $50,000

Household assumptions Advanced

Taxable savings $250,000 Social Security income $76,000 Annual spending $115,000 Survivor years 12 Heirs' IRA tax rate 32%

Include Medicare premium lookback Include inherited IRA tax exposure

Modeled room

$65,000

This may be worth reviewing.

Advisor review priority 72%

Modeled conversion room used $50,000

Projected taxable income $170,000

Estimated tax cost $11,000

Future RMD pressure $50,700

Room remaining $15,000

Tax cost vs. taxable savings $11,000

Annual cash gap $39,000

Heir tax exposure $416,000

Tax cost can likely be tested from taxable assets
Survivor single-filing years matter
Medicare premium lookback should be modeled
Inherited IRA tax may matter

$50,000 fits under the selected planning ceiling, with $15,000 of modeled room remaining. An advisor can compare this against Medicare premiums, RMD pressure, and filing status.

The visitor sees a helpful answer. The advisor gets context.

This is the piece most advisor sites miss. The lead form can carry the modeled result, flags, and a plain-English summary into the CRM, inbox, or calendar workflow.

Advisor lead summary

Preview

Prospect: Jordan Miller · jordan@example.com
Follow-up path: Roth conversion review
Modeled result: $50,000 modeled conversion, $0 over selected ceiling.
Planning flags: Future RMD pressure, Large pre-tax balance, Survivor filing-status window, Inherited IRA tax exposure

Submit the form to preview the handoff state a CFP team would receive.