TAXES & WITHDRAWALS
A better retirement
plan starts with a better tax strategy
Project your taxes year by year, plan Roth conversions around RMDs and IRMAA, and find the withdrawal order that lowers your lifetime tax bill.
Withdrawal Strategies
Tax-efficient retirement withdrawal strategies
The order you tap your accounts can change your lifetime taxes by six figures. WealthTrace finds the sequence across taxable, tax-deferred, and Roth that keeps the most for you.
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Compare withdrawal orders and see lifetime taxes for each
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Year-by-year withdrawal amounts from each account type
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Bracket-aware sequencing that adapts as tax law changes
Roth Conversion Optimization
Roth conversion optimization across brackets, RMDs, and IRMAA
WealthTrace tests conversion strategies across tax brackets, RMDs, and IRMAA thresholds. It shows the lifetime tax difference of each, not just this year's bill.
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Compare bracket-fill strategies side by side
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Time Roth conversions for the gap years before RMDs begin
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Account for Medicare IRMAA surcharges and Social Security taxation
Tax-Smart Planning
Retirement tax planning, year by year
Every projection in WealthTrace is tax-aware — federal tax, state tax brackets, Required Minimum Distributions, Social Security taxation, and Medicare IRMAA. See how taxes affect your retirement income, investments, and long-term financial outlook.
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Long-term tax projections, year by year through your plan
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See taxable income against bracket and IRMAA thresholds
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RMDs and Social Security taxation built into every scenario
AI Retirement Planning Assistant
Ask Trace AI about Roth conversions and retirement taxes
Get clear answers about your retirement taxes and Roth conversion strategies. Trace AI helps you understand tax projections, compare conversion scenarios, and explore how different decisions affect your retirement plan.
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Understand how Roth conversions affect your taxes.
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Compare Roth conversion strategies and their outcomes.
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See how tax brackets, RMDs, and Medicare IRMAA affect your retirement.
The tax traps we watch for you
The thresholds and deadlines that quietly raise your bill are monitored automatically in every projection.
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RMD tracking
Estimate your required minimum distributions before they arrive so that you can plan conversions around them.
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Bracket-jump alerts
Converting too much in one year can push you into a higher tax bracket. See exactly how much you can convert before you jump.
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Social Security optimization
Understand how much of your benefit is taxed each year and how claiming age changes your total amount received.
Resources
Go deeper on cutting taxes in retirement with WealthTrace.
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Watch a Roth conversion analysis from start to finish
See how to maximize wealth using Roth conversions.
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The withdrawal order that can save you six figures
Learn a smarter way to tap your accounts.
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RMDs, IRMAA, and the tax traps of your 70s
Learn how to avoid common tax mistakes.
Frequently asked questions
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WealthTrace projects taxes throughout retirement, including income from Social Security, pensions, investment withdrawals, Roth conversions, RMDs, investment properties, and other taxable income sources. This helps you see how taxes affect your cash flow and long-term plan.
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WealthTrace lets you adjust withdrawal rules and account withdrawal order so you can test different strategies. For example, you can compare using taxable accounts first, delaying Roth withdrawals, or changing the order in which accounts are used.
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WealthTrace has a comprehensive Roth conversion optimizer that helps you find the conversion strategy to maximize wealth or minimize taxes for either you or your heirs. WealthTrace also allows you to model custom Roth conversions and see the projected tax impact over time. You can compare scenarios with and without conversions to help evaluate whether converting assets may improve your long-term retirement plan.
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IRMAA is an extra charge on Medicare Part B and Part D premiums for people with higher income. It’s based on your income from two years earlier, so a large Roth conversion at 63 can raise your premiums at 65. WealthTrace tracks IRMAA thresholds in every projection and shows when a conversion or withdrawal would trigger a higher premium.
Keep exploring WealthTrace
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Planning
Build a comprehensive retirement plan and see how your financial future takes shape.
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Investments
See your true allocation, track performance, and sync every account securely.
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Resources & Support
Find tutorials, helpful guides, and expert insights to get more from WealthTrace.
Keep more of your retirement savings with better tax planning
Ready to plan your retirement ? Create a free account using your personal finances, or explore a ready-made sample plan and play around with the numbers first.
