PRE-RETIREMENT
Building Phase
Accumulate · Convert · Harvest
Planning Inputs —
Annual Expenses ($)
Retirement Year
Household Size
Est. Dividends (taxable)
Muni Bond Interest
Other MAGI Income
3-Bucket Health Check
🏦 Bucket 1 · Cash
Current Balance ($)
— mo
of expense coverage
Target: 36 months · $636K
Enter balance above
🌉 Bucket 2 · Bridge
Current Balance ($)
— mo
of expense coverage
Target: 60 months · $1.06M
Enter balance above
📈 Bucket 3 · Growth
Current Balance ($)
—%
of total portfolio
Equities · 75% target · Long-term hold
Enter balance above
⚠ Bucket Refill Needed
This Month's Priorities
    Roth Conversion Optimizer —
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    —
    —
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    Binding Constraint
    —
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    Recommended Max Conversion
    Lower of ACA headroom vs 12% bracket room, minus $10K buffer
    —
    Effective tax bracket on conversion
    At recommended amount · MFJ std deduction applied
    —
    MAGI after conversion
    % of ACA cliff used
    —
    → Fine-tune in ACA Planner → Pick Harvest Lots
    Bucket Refill Quick-Plan
    Amount to refill ($)
    Enter amount or use bucket alert above
    Refill from
    3-bucket priority: Bridge first
    MAGI Impact
    —
    Select source above
    Annual Planning Calendar
    Roth Conversion 5-Year Clock Tracker
    Track each conversion year — withdrawals of conversions are penalty-free after 5 years (Jan 1 of conversion year + 5). Contributions are always available.
    No conversions tracked yet. Click + Add Year to start.
    5-year rule reminder: Each Roth conversion has its own 5-year clock. Clock starts Jan 1 of the tax year of conversion. Withdrawing before 5 years triggers a 10% penalty on the converted amount (not the gains) if under 59½. Roth contributions are always withdrawal-free.
    Year-Round Optimization Opportunities