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Pro-rata impact, mega backdoor comparison, multi-strategy planning.
Lifetime tax projection — federal, state, IRMAA, NIIT, ACA, heir savings.
Multi-year QCD vs cash giving — federal, state, IRMAA savings (age 70½+).
SECURE Act 10-year distribution strategies for non-spouse beneficiaries.
Lifetime tax projection on retirement assets — federal, IRMAA, heir tax.
Multi-year bracket projection — find optimal years for conversions.
Net Unrealized Appreciation analysis — NUA vs rollover vs sell-and-reinvest.
High-3, COLA adjustments, survivor benefits, FERS Supplement.
TSP accumulation + withdrawal strategies — portfolio longevity.
FEHB-only vs FEHB + Medicare cost paths — healthcare for federal retirees.
Combine FERS pension, TSP, SS, and other income to find income gaps.
Comprehensive federal retirement — FERS + TSP + healthcare + gap.