Fidelity Mutual Financial
Final Engine with locked bracket-fill math, desired income targeting, editable conversion years, survivor tax compression modeling, pension continuation logic, Social Security spousal step-up modeling, logo-enabled PDF output, IRMAA visibility, year-by-year reporting, and a downloadable client PDF. Version includes forced NQ withdrawal schedule, green guaranteed tax-free income reporting, widow Social Security switch modeling, IRA percentage withdrawal schedules, and a one-click widow case preset.
Client Bio
Master Strategy Mode Safety Lock
Choose the type of case first. The planner will auto-clear conflicting fields so old premium, bonus, or FIA values cannot bleed into the wrong client case.
Roth Conversion Only ignores Premium Finance inputs and converts only entered IRA assets.
Mode check: Roth Conversion Only is active. Premium and bonus inputs are ignored for conversion math.
Client 1
Client 2
Widow / Survivor Social Security Case Builder
Models a widow benefit first, then switches to the client’s own Social Security at the selected age. Also supports IRA percentage withdrawals before and after Social Security starts.
Use the button to populate the case: age 64, retirement at 67, pension $21,600, widow SS $18,000, own SS at 70 $45,000, IRA $1,000,000, income goal $130,000 with 3% COLA, and an optional FIA income layer.
Existing Annuity Rider Comparison / Mind Map
Shows the client’s current taxable annuity income riders on the Before side versus your Roth-converted / tax-free income plan on the Strategy side.
When enabled, the Before side treats these rider payments as taxable IRA income streams. Use the Owner and Payout Type fields to show whether each rider is single-life and stops when that owner dies, or joint and continues to the survivor. The Strategy side assumes those accounts are replaced through the Roth conversion / tax-free income strategy, so the report can show why the proposed plan may reduce taxable income and improve legacy value.
Premium / FIA Funding Inputs
No logo uploaded
Bonus is a one-time amount added to the premium up front and compounds inside the strategy. Conversion period is fully editable so you can plan around temporary income years.
Saved Client Cases
Save cases in this browser, or export a client file for backup.
Beginning Value
$0
Year 1 Conversion
$0
Conversion
Period
Period
0 YEARS
Tax-Free Estate
$0
Tax-Free Income
—
Strategy Mind Map / Account Repositioning Summary
Shows where current accounts are coming from, where they are going, and whether the strategy is adding bonus, guaranteed income, or projected growth.
Premium Finance Roth Conversion
Strategy Summary
| Premium | $0 |
| Premium Finance Roth Conversion Bonus | $0 |
| Beginning Value | $0 |
| Year 1 Planned Conversion | $0 |
| Year 1 IRA Withdrawal | $0 |
| Estimated Year 1 Taxes | $0 |
| Tax Funding Method | Outside Assets |
| Pension Continuation at First Death | 0% |
| Annual Fee Display | 0.95% annual |
Transparent Assumptions
Roth Conversion Execution Schedule
Shows the actual year-by-year conversion timeline, beginning IRA balance, gross conversion, conversion taxes, net Roth deposit, ending IRA balance, and converted Roth value. This is separate from the Milestone Summary so clients can verify the full conversion path.
| Year | Age | Beginning IRA | Gross Conversion | Conversion Taxes | Effective Tax Rate | Net Roth Deposit | Ending IRA | Converted Roth Value |
|---|
Manual Multi-Year Roth Conversion Calculator
Use this standalone tool when you want to force an even 5- or 6-year Roth conversion schedule instead of letting the bracket optimizer front-load the conversion. It includes an annual fee option and a choice for whether taxes are paid from the conversion or outside assets.
Manual Calculator Summary
| Starting Value After Bonus | $0.00 |
| Total Gross Conversions | $0.00 |
| Total Taxes | $0.00 |
| Final Traditional Balance | $0.00 |
| Final Roth Balance | $0.00 |
| Net Total | $0.00 |
Calculation Notes
Enter assumptions and calculate to view the manual schedule.
| Year | Beginning Traditional | Gross Conversion | Tax | Net Roth Conversion | Ending Traditional | Ending Roth | Net Total |
|---|
Milestone Summary
Year 1, Year 5, Social Security years, RMD year, completion year, and every 5 years through age 95.
| Milestone | Age | Income | Conversion | IRA | Existing Roth Component | Converted Roth Component | Total Tax-Free Assets |
|---|
Note: Total Tax-Free Assets equals Existing Roth Component plus Converted Roth Component. Do not add the Total column again.
Before vs Fidelity Strategy Analysis
Current Situation
Fidelity Strategy
Comparison excludes bonus and fee totals by design. Those belong to the dedicated Premium Finance Roth Conversion section.
How the Tax-Free Estate Is Calculated
Year-by-Year Tax Flow Preview
This preview shows the first 15 years from the strategy scenario. The redesigned engine respects advisor-entered IRA withdrawals first, applies taxable and tax-free pension separately, then uses matured Roth money only after the 5-year ladder is available. Desired income now fills only the remaining gap instead of overriding the entered IRA draw.
| Year | Age | Income Goal | RMD Required Withdrawal Required Withdrawal | NQ Withdrawal | Conversion | Conversion Taxes | TAX-FREE ROTH INCOME | Taxes | IRMAA | IRA | TAX-FREE ESTATE |
|---|