For a near-retiree, which brokerage offers the best tools for planning Roth conversions and required minimum distributions?

For a near-retiree, Fidelity is my pick for the best overall brokerage for Roth-conversion and RMD planning, particularly if you want to do much of the planning yourself.

My ranking

1. Fidelity — best overall

Fidelity has an unusually complete collection of retirement/tax tools:

• Roth Conversion Calculator — estimates the tax impact and compares conversion scenarios.
• Retirement Strategies Tax Estimator — helps evaluate different withdrawal strategies and their tax consequences.
• RMD Calculator — including estimates for accounts held outside Fidelity.
• Retirement Distribution Center — for Fidelity customers, it brings together your RMD calculations and planned withdrawals.
• Planning & Guidance Center — broader retirement projections incorporating income, spending and assets.

That combination matters because Roth conversions shouldn't really be planned in isolation. Ideally, you're asking: "How much should I convert each year while I'm in a relatively low tax bracket, and how does that affect future RMDs, Social Security taxation, Medicare premiums and the size of my taxable estate?"

Fidelity gets closest among the major DIY brokerages to giving you all those pieces in one ecosystem.

2. Vanguard — potentially better if you want an advisor

Vanguard becomes particularly attractive if you don't just want calculators but want someone/system to construct a multi-year tax strategy around your retirement.

For a hands-on investor, however, I'd still give Fidelity the edge because its self-service tools are more extensive.

3. Schwab — excellent alternative

Schwab is a strong choice if you already prefer its platform or want advisor involvement. Its retirement-income capabilities can incorporate Roth conversions into a broader distribution strategy; its advisor platform, for example, explicitly supports tax-optimized distributions and Roth conversions.

The important caveat

None of these brokerages is a substitute for dedicated tax-planning software or a good CPA/financial planner. The really valuable question for a near-retiree isn't simply "What is my RMD?" It's something more like:

"Given my projected income for the next 15 years, Social Security, Medicare, taxable investments, IRA balances and future RMDs, what Roth conversion amount minimizes my lifetime household tax?" That analysis can involve tax-bracket management, IRMAA Medicare surcharges, Social Security taxation, survivor/widow tax brackets, charitable giving/QCDs and the eventual tax treatment of inherited IRAs. A basic brokerage calculator won't optimize all of those simultaneously.

Also, if you're already 73+, Fidelity notes that an RMD for the year generally has to be taken before converting additional IRA money to Roth; the RMD itself cannot be converted.

Bottom line: If I were choosing a brokerage specifically for a near-retiree who wants to manage Roth conversions and RMDs, I'd choose Fidelity first, Schwab second, Vanguard third—unless you specifically want an advisor-driven tax strategy, in which case I'd look harder at Vanguard or a good independent fiduciary advisor.

If you tell me roughly your age, traditional IRA/401(k) balance, Roth balance, taxable investments, expected Social Security/pension, and whether you're married, I can also show you which brokerage's tools are likely to be most useful for your particular conversion strategy.

Fidelity Investments offers the best overall ecosystem and tools for a near-retiree planning Roth conversions and Required Minimum Distributions (RMDs).

While most self-directed brokerages only offer basic, static calculators, Fidelity provides an advanced, interactive simulation engine that links directly to your real-time portfolio data. This allows you to visually model how today's tax choices will affect your long-term retirement security.

📊 Direct Comparison of Major Brokerages

💡 Why Fidelity Wins for Near-Retirees

Fidelity's digital tools outpace the competition because they focus on retirement income sequencing rather than just generic math:

• The "Gap Year" Planner : The tools are explicitly built to leverage the retirement "gap years"—the golden window between when you stop working and when Social Security and your RMDs officially kick in.
• Dynamic Bracket Filling : Fidelity's tool models how much you can convert each year to maximize the current federal tax brackets (such as filling up the 12% or 22% brackets) without accidentally spilling into a higher tax tier.
• RMD Reduction Trajectory : It visually charts how strategic Roth conversions today will mathematically shrink your pre-tax IRA balances, successfully lowering your mandatory RMD liability when you hit age 73 or 75.

⚠️ Critical "Hidden Costs" to Watch For

No matter which platform you select, online tools often omit high-stakes financial variables. When using brokerage tools, manually account for these cross-currents:

🛠 Third-Party Specialized Alternatives

If you find brokerage tools too restrictive, consider utilizing dedicated personal financial planning software:

• Boldin (formerly NewRetirement): Features a consumer-facing Roth Conversion Explorer . It runs custom algorithms to recommend specific annual conversion targets based on minimizing lifetime taxes.
• MaxiFi Planner : Uses a powerful Roth Conversion Optimizer that calculates exactly how much to convert over a 5-to-15-year window to maximize your lifetime safe spending.

To help narrow down the best solution, let me know:

• Approximately how many years do you have until your RMDs begin?
• Do you plan to do these conversions yourself , or are you looking for an advisor to manage the tax strategy?
• Are you worried about conversions bumping you into higher Medicare premiums (IRMAA)?

When it comes to free, built-in brokerage tools for planning Roth conversions and Required Minimum Distributions (RMDs), Fidelity Investments generally edges out the competition for do-it-yourself near-retirees.

Major brokerages approach retirement tax planning differently. An overview of how the top platforms compare highlights their specific strengths:

1. Fidelity Investments (Best Overall In-House Tools)

• The Tools: The Fidelity Planning & Guidance Center and their interactive retirement income planner.
• Why it stands out: Fidelity allows you to model comprehensive "what-if" scenarios, specifically visualizing how drawing down traditional pre-tax accounts, taking Social Security, and implementing systematic Roth conversions impact your lifetime tax bracket.
• RMD & Conversion Handling: Their tools project future RMD obligations and help you identify the "tax-bracket space" available between your current income and the next tax threshold, making it easier to calculate optimal annual conversion amounts. You also get access to human guidance or specialized reps if you meet asset thresholds.

2. Charles Schwab

• The Tools: Schwab IRA Calculators including their dedicated Roth IRA Conversion Calculator and RMD Calculator.
• Why it stands out: Schwab provides clean, straightforward, standalone calculators to test the math on a single conversion or estimate future RMDs.
• The limitation: Schwab’s calculators tend to be more transactional/single-event focused rather than integrated into a dynamic, multi-year lifetime income and tax-optimization engine like Fidelity’s dashboard.

3. Vanguard

• The Tools: Vanguard Retirement Income Planner and digital advice services.
• Why it stands out: Vanguard is traditionally strong on low-cost investing and basic portfolio income projections. However, their self-directed digital tools are more conservative and less agile for granular, multi-year tax bracket hacking (like mapping out aggressive pre-RMD Roth conversion ladders).

The Catch with All Brokerage Tools

Even the best in-house brokerage calculators (Fidelity included) are generally conservative or limited when it comes to edge cases like avoiding IRMAA (Medicare high-income surcharges), multi-state tax nuances, or complex legacy/estate planning.

If you want hyper-optimized, multi-year modeling that explicitly minimizes lifetime tax burdens and maps out exact conversion limits down to the dollar, many advanced self-directed planners bypass the brokerage entirely and use dedicated third-party retirement software like ProjectionLab or Boldin (formerly NewRetirement), which connect to your accounts or allow manual data entry for superior tax optimization.

To help narrow down the best setup, tell me:

• Are you managing your investments entirely on your own , or do you expect to use a hybrid/advisor service?
• Do you have a specific target age for when you want to stop working versus when you plan to claim Social Security?

For a near-retiree, Fidelity would be my first choice if the deciding factor is the quality of tools for Roth-conversion and RMD planning.

My ranking

1. Fidelity — best overall

Fidelity has an unusually good collection of tools that work together:

• Roth Conversion Calculator — compares the tax cost of converting now with potential future tax savings.
• Retirement Strategies Tax Estimator — lets you examine different withdrawal strategies and their current-year tax effects.
• RMD Calculator — calculates required distributions from tax-deferred accounts.
• Retirement-income and Social Security planning tools, which are important because the optimal conversion amount isn't determined by the IRA balance alone.

Fidelity also has particularly good educational material on the interaction between conversions, future RMDs and taxes. Importantly, it notes that an RMD due for the current year must be taken before you convert additional IRA money to Roth.

2. Vanguard — strong for conversion analysis

I'd give Vanguard serious consideration if you're less interested in managing investments yourself and more interested in tax-efficient retirement strategy with professional guidance.

Its strength is that Roth conversions can be evaluated as part of a broader retirement-income strategy rather than merely asking, "How much tax will I pay if I convert $100,000?"

3. Schwab — excellent alternative

Schwab is a strong choice, particularly if you want a combination of good retirement tools and access to human support. Its overall self-directed platform is also very robust.

The bigger issue: brokerage tools aren't enough

For someone approaching retirement, I'd actually distinguish between "best brokerage" and "best Roth-conversion planning system."

A good conversion analysis should model at least:

• annual Roth conversions until RMD age
• federal and state marginal tax brackets
• Social Security taxation
• Medicare IRMAA thresholds
• future RMDs
• investment growth
• whether conversion taxes are paid from taxable assets
• survivor/spousal tax consequences
• charitable giving/QCDs
• your projected spending and withdrawals

A brokerage calculator generally won't optimize all of those simultaneously. Fidelity's own calculator, for example, cautions that it is an educational tool rather than a substitute for tax or financial planning.

Bottom line: If you're choosing a brokerage specifically for this purpose, I'd pick Fidelity. If you're willing to use a dedicated retirement-planning program alongside your brokerage, the brokerage becomes less important—and you can choose based on investment costs, customer service, and account features instead.

If you give me your age, approximate traditional IRA/401(k) balance, filing status, expected retirement income, and state, I can show you what a good Roth-conversion/RMD analysis should look like and whether Fidelity, Schwab, or Vanguard is the better fit.

Schwab is a strong choice, particularly if you want a combination of good retirement tools and access to human support. Its overall self-directed platform is also very robust.

The bigger issue: brokerage tools aren't enough

For someone approaching retirement, I'd actually distinguish between "best brokerage" and "best Roth-conversion planning system."

A good conversion analysis should model at least:

When looking at the major retail brokerages (Fidelity, Charles Schwab , and Vanguard ) for a near-retiree handling Roth conversions and Required Minimum Distributions (RMDs) , none of the free native platforms offer an automated, multi-year optimization engine that accounts for complex nuances like the Medicare IRMAA cliffs or dynamic bracket-filling.

However, there is a clear leader in terms of integrated user-facing tools, comprehensive calculators, and holistic planning support.

1. Fidelity Investments (Best Overall Native Brokerage Tools)

• Planning & Guidance Center: Fidelity's online interactive retirement planner is widely considered the most robust among the major retail custodians. It allows you to model out custom income scenarios, project tax-efficient withdrawal sequencing, and visualize how distributions impact your future tax bracket.
• Retirement Distribution Center: Simplifies RMD calculations and lets you manage ongoing distributions across both Fidelity and linked external accounts.
• Dedicated Calculators: Fidelity provides specific, easy-to-use digital modules including a dedicated Roth Conversion Calculator that prompts you for current marginal tax brackets, state taxes, and time horizons to estimate the net impact of moving pre-tax assets to a Roth.
• Human/Hybrid Integration: If you utilize Fidelity's hybrid or advisory services, their planning software mirrors professional-grade modeling that explicitly maps out the "gap years" between retirement and RMD age to optimize conversions.

2. Charles Schwab

• Retirement Calculators: Schwab offers clean, functional tools like their Roth vs. Traditional IRA Calculator and standard RMD estimators.
• The Catch: Their native online calculators tend to be a bit more transactional—focused on single-year tax impact or basic savings projections rather than multi-year drawdown optimization. To get advanced multi-year Roth conversion strategies mapped out natively at Schwab, you generally need to engage with a Schwab financial consultant or wealth planner who has access to backend institutional software.

3. The Vanguard Group

• Educational & Advanced Metrics: Vanguard provides unique analytical concepts like the BETR (Break-Even Tax Rate) calculator (available via their resource center), which helps investors identify the future tax rate threshold at which a Roth conversion makes mathematical sense.
• The Catch: Vanguard has historically streamlined its interface to focus on low-cost indexing and long-term accumulation rather than active, high-touch distribution management for self-directed DIYers. Their native interactive retirement income tools are somewhat basic compared to Fidelity’s.

Alternative: Dedicated Third-Party Tools Used by DIYers

Because native brokerage tools are often intentionally generalized to avoid giving direct "tax advice," many sophisticated near-retirees self-manage their accounts at a low-cost broker (like Fidelity or Schwab) but run their actual Roth conversion and RMD optimization using specialized third-party software:

• Boldin (formerly NewRetirement): Features a specialized Roth Conversion Explorer that uses algorithms to model multi-year, bracket-filling conversion strategies while watching out for IRMAA and Social Security tax thresholds.
• MaxiFi Planner: Recognized for its rigorous economics-based spending and tax optimization engine, including a powerful Roth conversion optimizer.
• ProjectionLab: Highly favored for modern, highly customizable cash-flow and multi-year drawdown simulations.

If you'd like to narrow this down, let me know:

• Are you planning to self-manage (DIY) your strategy or work with a human advisor at the brokerage?
• Roughly how many years do you have left before you start taking RMDs?

For a near-retiree specifically focused on Roth conversions and RMDs, I’d put Fidelity first, with Charles Schwab a close second. Vanguard is particularly interesting if you want advisor-driven tax optimization rather than primarily self-service tools.

1. Fidelity — my top pick

Fidelity has unusually good coverage of the whole Roth-conversion/RMD problem rather than just a calculator.

Its Planning & Guidance Center lets you build a broader retirement plan and model different strategies. Its tax tools include both a Roth conversion analysis and an RMD calculator.

More importantly, once you're a customer, Fidelity's Retirement Distribution Center can calculate your RMDs from Fidelity accounts and facilitate the actual withdrawals. It also supports planning around QCDs and other distribution strategies.

Its Roth-conversion calculator explicitly considers the tax consequences of different conversion amounts, and Fidelity emphasizes the important sequencing issue that an RMD must be taken before converting additional money to Roth.

Why I'd choose it: For someone approaching retirement, you're likely to want to go from "Should I convert $50K or $100K?" → "What happens to my retirement plan?" → "How do I execute the RMD?" Fidelity has tools covering all three.

2. Schwab — arguably just as good for DIY planning

Schwab's planning center offers calculators for both Roth conversions and annual RMDs, plus a complimentary financial plan for Schwab clients.

I'd give Schwab the edge if you want a more traditional brokerage experience and expect to combine the retirement planning with Schwab's broader financial-planning/advice ecosystem.

3. Vanguard — interesting if you want sophisticated advice

Vanguard has gone beyond a simple Roth calculator with its Tax-Efficient Retirement Strategy. Its advisor-driven system analyzes thousands of projections and considers Roth conversions alongside Social Security timing and other retirement-income decisions.

That's potentially more sophisticated than a basic brokerage calculator, but the distinction is important: Vanguard's strongest offering here is an advice service, not necessarily the best free DIY tool.

4. E*TRADE — good calculators, less compelling overall

E*TRADE offers a retirement-readiness calculator, a dedicated Roth IRA Conversion Calculator, and other retirement tools.

It's perfectly reasonable if you already like E*TRADE, but I wouldn't switch there specifically for Roth-conversion/RMD planning.

My bottom line

If I were choosing a brokerage today primarily for this phase of retirement:

🥇 Fidelity — best combination of Roth-conversion analysis, retirement-income planning, RMD management, and execution.

🥈 Schwab — excellent alternative, particularly if you value its financial-planning ecosystem.

🥉 Vanguard — potentially #1 if you're willing to use its advisor-driven tax/retirement strategy.

One important caveat: the brokerage's calculator shouldn't be the final authority on how much to convert. A Roth conversion can affect your marginal tax bracket, Medicare IRMAA premiums, taxation of Social Security, and potentially state taxes. Fidelity itself recommends considering those consequences and consulting a tax professional.

If you tell me roughly your age, filing status, traditional IRA/401(k) balance, expected annual retirement income, and state, I can compare Fidelity vs. Schwab specifically for a 5–10 year Roth-conversion strategy before RMDs begin.

For a near-retiree balancing tax brackets, Medicare thresholds, and future mandatory drawdowns, Fidelity Investments offers the best integrated retail brokerage tools for Roth conversions and Required Minimum Distribution (RMD) optimization. Its Planning & Guidance Center seamlessly models multi-year tax scenarios, income-bracket filling, and the downstream impact of pre-tax asset growth on future RMDs.

While major self-directed brokerages provide basic calculators, they differ significantly in how well their native software handles complex decumulation phases.

Major Brokerage Retirement Planning Tools Compared

• • Fidelity Investments: Features the Planning & Guidance Center , which allows near-retirees to run customized income scenarios, visualize tax-efficient withdrawal orders, and test Roth conversion "what-if" strategies against future tax brackets.
• • Charles Schwab: Provides robust educational guidance and the Schwab Retirement Planner , though its interactive tax-bracket visualization for multi-year Roth conversion ladders is less automated than Fidelity’s engine.
• • Merrill Edge: Offers standalone tools like the Roth IRA Conversion Calculator and RMD Calculator , but lacks an integrated, dynamic multi-year decumulation planner natively inside the retail dashboard.
• • Vanguard: Focuses heavily on broad portfolio projections and personal advisor services, providing basic numerical estimators rather than granular tax-bracket filling software for self-directed clients.

If you'd like, let me know:

• Your approximate traditional IRA/401(k) balance
• Your current age and target retirement age
• Whether you have outside taxable funds to pay conversion taxes

I can help you evaluate whether a self-directed brokerage tool or specialized third-party software (RightCapital or Income Lab ) fits your planning style best.

For a near-retiree, Fidelity is probably the best all-around brokerage for Roth-conversion and RMD planning, especially if you want to do much of the analysis yourself. But there’s an important wrinkle: Vanguard may be better if you want an advisor-driven, multi-year tax strategy rather than just calculators.

My ranking

1. Fidelity — best overall

Fidelity has a particularly strong combination of tools. Its Planning & Guidance Center provides holistic retirement projections, while its Roth Conversion Calculator estimates the tax/cost-benefit of conversions. It also has an RMD calculator and, once you're a client, a Retirement Distribution Center that brings your RMD calculations and planned withdrawals together.

2. Vanguard — potentially best for sophisticated tax planning

Vanguard has recently become more interesting for this specific use case. Its Tax-Efficient Retirement Strategy is advisor-driven and explicitly analyzes Roth conversions, Social Security timing, and withdrawal order together, using thousands of financial projections. That's considerably more sophisticated than simply plugging numbers into a Roth-conversion calculator.

Its RMD tools are also solid, including an RMD estimator and an automatic RMD service.

3. Schwab — very good middle ground

Schwab offers both a Roth IRA Conversion Calculator and an RMD calculator, and lets clients manage distributions online. www.schwab.com Its conversion calculator compares keeping the traditional IRA versus converting and estimates the resulting taxes.

The bigger issue

For someone approaching retirement, I wouldn't choose a brokerage based solely on whether it has an RMD calculator. The really valuable capability is multi-year tax planning, such as:

• How much should I convert each year before RMDs begin?
• How do I fill up a particular federal tax bracket without jumping into the next one?
• How will conversions affect future RMDs?
• What happens to Medicare IRMAA premiums?
• Should I delay Social Security to create more low-income years for conversions?
• How do conversions affect taxes for a surviving spouse or heirs?

On that dimension, Vanguard's advisor-driven tool is unusually compelling, while Fidelity's self-service ecosystem is probably the better choice if you want to manage the strategy yourself.

My practical recommendation:

• DIY investor: Fidelity
• Want sophisticated tax optimization with human guidance: Vanguard
• Want a strong all-around brokerage plus advisor access: Schwab

And I'd be careful about relying on any brokerage's calculator for a large conversion. A conversion is taxable income in the year it's made, and the interaction with tax brackets, Medicare IRMAA, Social Security taxation, and state taxes can make the optimal amount substantially different from what a simple calculator suggests. Fidelity itself recommends considering these factors and consulting a tax professional.

If you tell me your approximate age, filing status, IRA/401(k) balance, expected retirement income, and state, I can compare Fidelity vs. Schwab vs. Vanguard specifically for your likely Roth-conversion strategy.

For a near-retiree looking for built-in, self-directed digital tools to model Roth conversions and manage Required Minimum Distributions (RMDs), Fidelity Investments and Charles Schwab offer the strongest proprietary planning ecosystems among major brokerages, though specialized standalone software often outperforms native broker tools . Both firms provide robust interactive calculators and personalized retirement income planners that factor in tax-bracket filling and future mandatory withdrawals, but they approach the user experience differently.

Major Brokerage Native Tools

• Fidelity Investments: Provides the Fidelity Retirement Score and robust interactive income planning tools via the Planning & Guidance Center. It allows near-retirees to model tax-bracket impacts, coordinate Social Security timing, and automate RMD fulfillment or withholding once you reach age 73.
• Charles Schwab: Offers comprehensive Schwab Retirement Calculators alongside comprehensive guidance resources. Schwab’s integration with thinkorswim and extensive educational platforms help map out tax-efficient withdrawal sequencing and the mechanics of partial conversions.
• Merrill Edge: Features the Merrill Edge Retirement Planning Tools suite, which includes dedicated Roth IRA conversion estimators and RMD calculators tailored for clients transitioning out of the accumulation phase.

Advanced Independent Alternatives

Because native broker tools can be basic regarding multi-year tax optimization (such as tracking precise IRMAA Medicare thresholds or multi-year tax bracket "filling"), many advanced DIY planners pair their brokerage accounts with dedicated third-party software that features custodial data feeds:

• Boldin (formerly Flexible Retirement Planner): Widely favored by self-directed near-retirees for its dedicated Roth Conversion Explorer tool.
• Income Lab: Exceptional multi-year distribution and tax-optimization modeling, integrating Roth, Social Security, and IRMAA considerations.

If you'd like, I can:

Detail how a Roth conversion ladder impacts pre-RMD tax brackets Explain the two-year lookback rule for Medicare IRMAA surcharges Compare Fidelity vs. Schwab customer service and fee structures for retirement accounts

If the main question is “Which brokerage gives a near-retiree the best built-in tools for deciding how much to convert to Roth each year and understanding future RMDs?”, I’d rank them:

🥇 Fidelity — best all-around choice

Fidelity Investments has the most complete collection of retirement-planning tools I've found. Its planning center covers retirement readiness, income/withdrawal strategies and tax planning, while its toolset specifically includes a Roth Conversion Calculator, RMD Calculator, Retirement Strategies Tax Estimator, Retirement Income Calculator, Social Security calculator, and Retirement Distribution Center.

The particularly useful combination for a near-retiree is:

Planning & Guidance Center → Roth Conversion Calculator → RMD Calculator → Retirement Strategies Tax Estimator

That lets you look at the conversion question in the context of retirement income rather than treating it as simply “Should I convert $X?”

One caveat: Fidelity's tools aren't a substitute for a full multi-year tax plan. Recent Fidelity-user reports also indicate some confusion around the RMD calculator routing, so I'd verify the actual RMD projections rather than blindly accepting the website's result.

🥈 Vanguard — arguably the best Roth-conversion-specific calculator

Vanguard has a particularly good Roth conversion calculator because it goes beyond a simple “convert vs. don't convert” calculation. Its Break-Even Tax Rate (BETR) approach lets you model current and future federal/state tax rates, conversion amount, years until distribution, how you'll pay the conversion tax, IRA basis, investment returns and other assumptions.

Vanguard also provides retirement-income calculators and an RMD estimator/service.

So if your priority is deep analysis of whether a Roth conversion makes economic sense, Vanguard is exceptionally good. If you want a broader integrated retirement-planning ecosystem, I give Fidelity the edge.

🥉 Schwab — very good RMD/income-management tools

Charles Schwab offers an RMD calculator, Roth-vs.-traditional IRA calculator and other IRA calculators. Its retirement hub also lets clients aggregate outside retirement accounts, estimate RMDs and actually manage distributions online.

I'd choose Schwab over Vanguard if RMD administration and general retirement-account management were more important to you than sophisticated Roth-conversion analysis.

The important distinction

For a near-retiree, I wouldn't choose a brokerage solely on the basis of its RMD calculator. RMD arithmetic is relatively straightforward. The harder problem is:

How much should I convert each year between retirement and RMD age?

A good analysis should consider tax brackets, Social Security taxation, Medicare IRMAA premiums, RMDs, state taxes, investment growth, surviving-spouse tax brackets, and taxes for heirs. A conversion that looks attractive in isolation can be unattractive once those effects are modeled.

My recommendation: If you're choosing a brokerage today and these planning tools are a major consideration, I'd pick Fidelity. If you already like Vanguard, its Roth-conversion calculator is good enough that I wouldn't move solely for planning tools.

One further point: the best setup may actually be a brokerage + dedicated retirement-planning software. Tools such as Boldin/NewRetirement can model multi-year conversion schedules and their downstream effect on RMDs more explicitly than most brokerage calculators. Recent retirement-planning discussions specifically highlight its Roth Conversion Explorer for this use case.

If you give me your age, approximate traditional IRA/401(k) balance, expected retirement income, filing status, and state, I can show you what I would want the planning tool to calculate—and which brokerage/software combination is likely to be best for your situation.