The Boldin Retirement Planner Gives You Access to Tools Used by Financial Planners

Roth conversions can reduce lifetime taxes — but the timing and amount matter. Boldin’s Roth Conversion Explorer analyzes your complete financial plan to show when and how much to convert.

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Roth conversions can:

Strategic conversions often shift income from higher-tax future years into lower-tax years today. But the right strategy depends on your income, retirement timing, Social Security, and future RMDs. That’s where modeling helps.

The Boldin Roth Conversion Explorer:

Behind the scenes the planner models your income, Social Security, RMDs, and taxes year-by-year to identify optimal conversion schedules.

Strategizing Roth conversions requires that you have defined a robust financial plan. If you are already a Boldlin user, use the Digital Coach, Plan Accuracy and Plan Completion metrics to make sure that your plan is robust and up to date.

If you are new to Boldin, getting started is easy. We’ll guide you step through creating a plan and your financial confidence will grow each step of the way. This step can take anywhere from 30 minutes to days, depending on how detailed you want to be.

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The Roth Conversion Explorer in Boldin is a useful tool for modeling and planning IRA conversions. This article will guide you on how to access this feature, provide troubleshooting tips, and highlight important usage considerations.

To locate and open the Roth Conversion Explorer:

See Your Roth Conversion Strategy
Create your Boldin plan to test Roth conversion scenarios using your real numbers.
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The Boldin Roth Conversion Explorer runs a highly sophisticated algorithm to evaluate numerous potential Roth conversion strategies, identifying the most effective approach based on your specified goals, future economic assumptions, and your personal financial parameters. Once the Explorer generates a plan, you can apply it directly to a scenario and compare its impact across all of your key financial metrics.

Goal-Based Strategies — the Explorer cycles through all available federal tax brackets, analyzes the impact of converting within each, and selects the optimal bracket for your chosen goal.

Rule-Based Strategies — the algorithm recommends converting just enough to "fill" your chosen bracket or threshold until no more opportunities exist or pre-tax dollars run out. These strategies always return a result since you set the threshold — though they may result in a lower estate value or higher lifetime tax liability depending on the limit chosen.

As the saying goes, "Personal finance is personal." Boldin offers four strategies so you can choose the planning model that best fits your unique situation.

Learn more: Best Practices and Technical Details

Boldin helps people gain clarity and confidence about their financial future. The Boldin Planner brings together income, taxes, investments, Social Security, and spending into a single financial model so users can explore decisions, test scenarios, and build a plan that supports the life they want.

We connect the math of money to the meaning of life.

It’s like having a financial planner at your fingertips.

Want help with set up? We have options. Start by chatting with Boldin’s AI, joining one of our communities on Facebook or Reddit, or attending one of our getting started classes. You can also sign up for a 50 minute session with a Coach ($250) to make sure your plan is set up correctly. We also provide full service advice from a CFP® professional at Boldin Advisors.