Our Knowledgebase contains answers to most common questions, and you’ll find Help Icons throughout the tool providing context-specific details. For further assistance, feel free to contact me via Etsy messages. Because I am semi-retired and frequently traveling, my responses may sometimes be delayed, but I will always get back to you as soon as possible. As the developer, I’m happy to help troubleshoot installation issues or clarify how the tool works; however, please note that I cannot provide individualized tax or financial advice.
About the Author
I’m a retired business and product executive who is passionate about tax and retirement planning. See my LinkedIn profile for more details (www.linkedin.com/in/jeffholm1). When I’m not working on the Optimizer or chatting with fellow investors, I enjoy spending my time traveling and keeping active with my family.
As someone fortunate enough to retire early, I wanted to take advantage of the lower tax rates associated with early retirement to move money from my IRA to my Roth IRA (a Roth conversion) and I couldn’t find any tools or financial advisors that could articulate the tradeoffs with the level of detail that I was looking for.
Making the wrong decision can cost you hundreds of thousands, or even millions, of dollars over time. Because variables like interest rates, inflation, RMDs, IRMAA, NIIT, and shifting Fed/State tax brackets interact so uniquely for everyone, relying on traditional rules of thumb will leave significant money on the table. This tool maps out all of these moving parts to clearly show the long-term impact on your net worth, helping you pinpoint your optimal strategy.
I originally built this spreadsheet application for myself, but was encouraged to make it available to others. This is the result of that effort. If you purchase this sheet and are looking for help setting up your analysis, don’t hesitate to reach out to me.
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Contact Info
SkyRockRidge.etsy.com on Etsy is the official storefront for the Optimizer and its messaging system is the best way to contact me for existing customers. If you are inquiring about a Commercial or Enterprise version, the best way to contact me is through LinkedIn or using the form below.
