Planning · all tools
Every tool, in one place.
69 tools across retirement, tax, annuity, federal, and estate — advisor-side analyzers, embeddable lead-capture calculators, and the hub landing pages. Search, filter, or jump straight in. Each tool saves its work to the household record and feeds the plan pack.
69 of 69 tools
Retirement
Plan-ready engines. The retirement planner + its supporting tools.
9
401(k) Maximizer
Lead captureIf you're not maxing out your 401(k), you could be leaving free money and tax savings on the table.
Inflation Impact Calculator
Lead captureAt 3% inflation, your purchasing power drops nearly in half over 20 years. See the real number you need.
Pension vs. Lump Sum Analyzer
Lead captureThis decision is irreversible and worth hundreds of thousands. Run the numbers before you choose.
Retirement Planner
HubBuild a household-ready Steward retirement plan. 18 routes, audit-trailed, PDF + web delivery.
Retirement Readiness Score
Lead captureAre you actually on track. or just hoping? Get your personalized readiness score in 60 seconds.
Save Now vs. Later Calculator
Lead captureWaiting just 5 years to start saving could cost you six figures. See the real price of procrastination.
Savings Growth Projector
Lead captureSee how compound interest turns small, consistent contributions into serious wealth over time.
Social Security Optimizer
Lead captureClaiming at the wrong age could cost you $100,000+. Find your optimal strategy in minutes.
Withdrawal Longevity Planner
Lead captureWill your money outlast you. or will you outlast your money? Find your answer in under 2 minutes.
Tax
Conversions, withdrawals, brackets, IRMAA. The tax-decision toolbox.
19
Backdoor Roth Advisor
Advisor toolPro-rata exposure, conversion capacity, contribution sequencing.
Backdoor Roth Analyzer
Lead captureHigh income? A backdoor Roth could be your best tax-free growth strategy. See if it works for you.
Medicare IRMAA (client)
Lead capturePremium surcharge by MAGI tier. show clients where the cliffs are.
NUA Advisor
Advisor toolNet Unrealized Appreciation. basis vs. rollover decision.
NUA Calculator (client)
Lead captureConcentrated employer stock. comparison the client can see.
QCD Optimizer
Advisor toolQualified Charitable Distribution. IRMAA + bracket benefit modeling.
Retirement Tax Calculator
Lead captureYour tax-deferred savings have a hidden price tag. Uncover what your retirement will actually cost in taxes.
RMD Calculator (client)
Lead captureRequired Minimum Distribution schedule under SECURE 2.0.
RMD Planner
Advisor toolYear-by-year Required Minimum Distribution schedule under SECURE 2.0. bracket-aware, IRMAA-aware, QCD-aware.
Roth Conversion (client)
Lead captureClient-facing version. embeddable on the firm site.
Roth Done Right
Advisor toolMulti-year Roth conversion ladder with bracket + IRMAA awareness.
Tax Analyzer
Advisor toolDrop in a 1040 + Schedule B. extract bracket headroom + planning angles.
Tax Bracket Projection
Lead captureProject your tax brackets into retirement and find the optimal years for Roth conversions and income planning.
Tax Brackets (client)
Lead captureMarginal vs effective rate explainer for the conversation.
Tax Burden Analyzer
Advisor toolLifetime tax on retirement assets. income + IRMAA + heir 10-year rule.
Tax Burden Visualizer (client)
Lead captureLifetime tax visualization. gets the client to *feel* the number.
Tax Center
HubTax tools + thresholds + scenario runner in one drawer.
Tax Projection Advisor
Advisor toolYear-by-year tax forecast. federal + state, marginal + effective.
Tax-Efficient Withdrawals
Advisor toolOrder of withdrawals. taxable → tax-deferred → Roth. modeled for after-tax outcome.
Annuity
Income, accumulation, analysis, election. Every annuity question.
18
1035 Exchange
Advisor toolCompare keep-it vs 1035-exchange. Cost basis preservation, surrender, new growth.
Annuity Center
HubAnnuity intake + case workspace + every contract calculator.
Annuity Compare
Advisor toolCompare two contracts head to head. Returns, fees, lifetime income, surrender.
Annuity Gap-Fill
Advisor toolSize the SPIA needed to close a household income floor gap.
Annuity Tax Deep Dive
Advisor toolYear-by-year tax characterization. Exclusion ratio, LIFO, qualified, Roth.
Annuity Tax Efficiency Analyzer
Lead captureTax drag silently eats your returns every year. See how much tax-deferred growth could save you.
Bucket Strategy Builder
Advisor toolThree-bucket withdrawal strategy with annuities as the guaranteed bucket. Refill rules + hierarchy.
FIA Backtest
Advisor toolBacktest an FIA crediting strategy against a 30-year S&P 500 history.
GLWB Timing
Advisor toolWhen to turn on guaranteed lifetime withdrawal income. NPV-optimal activation age.
Hybrid LTC Annuity
Advisor toolAnnuity-LTC hybrid analysis. Compare against traditional LTC + standalone annuity + self-insure.
Income Floor Analysis
Advisor toolHow much guaranteed income to layer in. Floor-and-upside vs 100% portfolio, Monte Carlo backed.
Joint Life Decision
Advisor toolSingle life vs joint and survivor election. Survivor protection vs higher payout.
MYGA Ladder
Advisor toolBuild a multi-rung MYGA ladder. Blended yield, total ending value, per-rung detail.
Pension Lump Sum vs Annuity
Advisor toolPension election decision. Lump sum + invest vs annuitized lifetime payments.
QLAC Sizing
Advisor toolSolve QLAC premium to hit a deferred income target, bounded by the 2026 cap.
Sequence-of-Returns Hedge
Advisor toolStress-test guaranteed income against the worst historical sequences: 1929, 1966, 2000, 2008.
SPIA Comparison
Advisor toolStack carrier quotes side by side. Pick the best lifetime payout.
VA Fee Drag
Advisor toolProject a variable annuity with the full fee stack to surface true cost.
Federal
FERS, FEHB, TSP. Federal-employee retirement specifics.
10
Federal Benefits Gap Analysis
Lead captureSee if your federal benefits. pension, TSP, and Social Security. will cover your retirement income needs.
Federal Benefits Gap Analysis
Advisor toolWhich federal benefits land short of the household income floor. Where the gap is and how to close it.
Federal Retirement Funnel
Advisor toolEnd-to-end federal retirement readiness check. FERS + TSP + FEHB + SRS sequenced.
Federal Retirement Planner
Lead captureComplete federal retirement planning. pension, TSP, healthcare, and gap analysis in one comprehensive tool.
FEHB & Medicare Coordination
Lead captureCompare FEHB-only vs. FEHB + Medicare to find the healthcare strategy that saves you the most in retirement.
FEHB & Medicare Coordination
Advisor toolWhen to suspend FEHB, when to keep it. Medicare Part A/B/D coordination for federal retirees.
FERS Pension Estimator
Lead captureEstimate your federal pension with High-3 projection, COLA adjustments, FERS Supplement, and survivor benefit options.
FERS Pension Estimator
Advisor toolFederal Employees Retirement System pension projection with the high-3 + service-years math.
TSP Withdrawal Planner
Lead captureModel your TSP accumulation and withdrawal strategy. see if your savings will last through retirement.
TSP Withdrawal Planner
Advisor toolThrift Savings Plan withdrawal strategy. Sequence, taxes, and Roth ladder for federal employees.
Estate
Legacy, inheritance, beneficiary tax. What heirs actually receive.
7
Estate & Gifting (client)
Lead captureAnnual exclusion + lifetime exemption math.
Estate & Legacy
Advisor toolDeath benefit + beneficiary tax outcomes. SECURE 10-yr, §72(s) 5-yr, IRD on NQ VA, spousal continuation.
Inherited IRA Advisor
Advisor toolSECURE Act 10-year distribution strategies. beneficiary tax planning.
Inherited IRA Calculator
Lead captureThe SECURE Act changed everything. Model 10-year distribution strategies to minimize your tax hit.
Legacy & Estate Advisor
Advisor toolCompare keep-the-IRA vs. Roth-convert vs. life-insurance for heirs.
Multi-Year Tax Coordination
Advisor toolAnnuity income + Roth conversions + SS claiming + RMD timing sequenced across a multi-year window.
State Suitability & Replacement
Advisor toolState-specific replacement notices, NAIC #275 worksheet, premium tax disclosure, free-look reminder.
Other
Tools that don’t fit one bucket — housing, lifestyle, hybrid decisions.
6
College vs. Retirement Planner
Lead captureYour kids can borrow for college. you can't borrow for retirement. See how to fund both.
Debt vs. Invest Calculator
Lead capturePay off debt or invest the difference? The math might surprise you. See the side-by-side comparison.
Gold Price Projection
Lead captureWhere is gold headed. and how does it stack up against the dollar's decline? See the projections.
Housing Decision
Advisor toolStay vs downsize vs reverse mortgage. After-tax cash flow + estate impact in one view.
Life Expectancy Estimator
Lead captureEvery retirement plan hinges on one number: how long you'll live. Get a personalized estimate.
Silver Price Projection
Lead captureSilver is the most undervalued precious metal. Project future prices with live ratio analysis.