For Financial Advisors Only · Book Your Walkthrough

See how advisors answer “Which account should this come from?”

A 20-minute walkthrough for financial advisors, run on one of your own client cases. Bring a real withdrawal request and we will plan where the money comes from, account by account.

Say your client calls and needs $100,000.

Both spouses are 68, on Medicare Part B and D, filing jointly, with modified adjusted gross income (MAGI) already at $210,000. Today’s first income-related monthly adjustment amount (IRMAA) tier starts at $218,001.

Take the whole $100,000 from the IRA and MAGI lands at $310,000, two tiers up. The couple pays $5,770 in Part B and Part D surcharges for one year. The income tax on those IRA dollars was always coming. The surcharge was not.

Cap MAGI at $218,000 and the same $100,000 comes from high-basis holdings in the taxable account, harvested losses against the gains, and the Roth only for what is left. In this illustration, the surcharge never happens.

Income Lab's Cash Flows view tracing a fictional household's income sources year by year, including salaries, pension, both Social Security benefits, and portfolio withdrawals — Income Lab Cash Flows: income traced to its source, year by year. Dollars, not a probability score.

Set the cap, then plan against it. Cap MAGI at an IRMAA tier, a tax bracket, or an ACA credit threshold, and the funding plan respects the cap you set.
Enter the amount and the answer is there as you type. Which accounts, how much from each, what the tax costs, and when you have holdings data, the positions to sell.
The math is deterministic. The AI explains the answer, it does not do the arithmetic. It starts from the plan you already built, not a re-creation of it.