Model IRA withdrawals, Roth conversions, and Medicare IRMAA surcharges before you make the decision — not after. Built for retirees planning their own future, and advisors planning for clients.
Retiree Defender runs the numbers so a withdrawal order, a conversion, or a claiming date isn't a guess.
Compare withdrawal orders and conversion timing to minimize lifetime tax, not just this year's bill.
See exactly where Medicare surcharge thresholds sit before a conversion pushes income across the line.
Line up three retirement paths side by side and see the after-tax outcome of each, years out.
Enter your accounts once. See how withdrawal order, Social Security timing, and Roth conversions change your after-tax income and your Medicare costs — years before you need to decide.
Get the app →Model a client's IRA and brokerage picture across three strategies, compare after-tax and after-IRMAA outcomes, and bring the clearest option into the conversation.
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