Roth Conversion Optimizer
The magic number is:
A practical answer to a question with infinite combinations. Stratum scores every viable plan and shows you the winner.
No credit card required · First projection in 15 minutes
There are 1,728 evaluable ones — and most planning tools test three.
Every conversion changes which account future withdrawals come from, which changes taxable income, which changes IRMAA, which changes the optimal next conversion. A spreadsheet that tests three scenarios is not a plan.
Stratum compresses infinity into 1,728 evaluable plans by modeling the dimensions that actually move the lifetime tax bill.
We score every combination against your client’s full lifetime projection — not just the conversion year. The winning plan accounts for marginal bracket usage, IRMAA tier crossings, RMD pressure, and the survivor-single penalty.
You see the winner. You walk the client through the math.
Full methodology: how the optimizer searches and ranks plans
The combinations that matter, factored across the life of the plan.
12 × 12 × 12 = 1,728 evaluable plans
4 marginal brackets × 3 IRMAA tiers, across 3 life periods
The conversion sizes that fill the bracket your client actually lives in — 12%, 22%, 24%, and 32% — without spilling into the next.
Including the cliffs that surcharge Medicare premiums for two years after a conversion. Most tools ignore this entirely.
Accumulation, retirement distribution, and the survivor-single window — where the widow's penalty often dominates lifetime tax.
The numbers that close the meeting — for every year, in nominal and present-value terms.
The optimizer is one of 12 coordinated tax strategies in the Stratum pipeline — each one sees the impact of every strategy before it.
14-day free trial. No credit card. First projection in under 15 minutes.
Output reflects user-entered assumptions and projected tax law. Hypothetical results are illustrative only and do not represent investment, tax, or legal advice. Stratum is planning software for use by financial advisors.