Build tax-optimized retirement projections directly in Lumifin — Roth conversion sizing, ACA subsidy modeling, withdrawal sequencing, scenario comparisons — and present a clear plan your clients can act on.
See PlansTax-optimized retirement projections require modeling that most tools can't do and spreadsheets shouldn't.
A client who withdraws $5K too much from their Traditional IRA blows the ACA subsidy cliff and pays full-price healthcare premiums. Multiply that across the years between retirement and Medicare, and it's $100K–$200K+ in unnecessary costs.
Lumifin models all of this automatically — Roth conversion windows, progressive tax brackets, ACA cliffs, IRMAA thresholds — so you can build the analysis in minutes instead of hours.
Most clients default to conservative conversions. Lumifin shows the dollar impact of converting to the 22% bracket instead of the 12%.
Illustrative example based on a couple with $2M in Traditional IRA, retiring at 60. Actual results vary by client.
Build and manage projections for all your clients, directly in Lumifin.
Create and edit projections for each client. Model retirement ages, career changes, home purchases — any "what if" scenario.
Progressive tax brackets, Roth conversion sizing, withdrawal sequencing, ACA subsidy protection, and IRMAA cliff modeling — all built in.
Manage all your client projections from one account. Each client gets their own scenario workspace.
Run multiple Roth conversion strategies side by side. Show clients the dollar impact of each approach.
Every year broken out: withdrawals by account, tax brackets, healthcare costs, Social Security, RMDs, and ending balance.
The projections speak for themselves. Walk clients through the numbers and show them exactly what to do each year.
| Capability | Excel / Sheets | Income Lab | Lumifin |
|---|---|---|---|
| ACA subsidy cliff modeling (year-by-year MAGI) | Manual | Partial | Full |
| Roth conversion sizing (bracket-aware) | Manual | Yes | Yes |
| IRMAA cliff awareness | No | Partial | Yes |
| Withdrawal sequencing across account types | Manual | Yes | Yes |
| Real progressive tax brackets (federal + state) | Manual | Yes | Yes |
| Strategy comparison (side-by-side) | Manual | Limited | Yes |
Monthly subscription. Scale as your practice grows.
More than 50 clients? Let's talk about a plan that fits your practice — custom onboarding, dedicated support, and pricing that scales with you.
Contact UsAll plans include a 14-day free trial. Cancel anytime.
I spent 20 years as a software and data engineer. When I started planning my own early retirement, I built a projection engine that models tax brackets, Roth conversion windows, ACA subsidy cliffs, and withdrawal sequencing across five account types. No existing tool did all of this together.
Now I'm making that engine available to financial planners. You get the depth of custom modeling with the speed of purpose-built software.
Book a 20-minute walkthrough. We'll show you how Lumifin works with a real client scenario and answer any questions about your practice.