Optimize Roth conversions & drawdown between account types


I recently bought ESPlanner & it seems like a very powerful tool. There are a few areas I'd like to optimize, but I'm not sure if ESPlanner provides that capability.

1. Recommend/optimize a Roth conversion plan between when I retire and start Social Security
2. Optimize spending across accounts (taxable, tax-deferred, and Roth IRA), for both pre & post Social Security.

Traditional vs Roth 401K


I am trying to do a simply trade between contributing to a traditional 401K versus a Roth 401K. I tried simply running two cases one with traditional contributions, then one with Roth contributions. I was looking for comparison in my reported consumption. The results didn't seem to make sense for two reasons. One, I couldn't understand what interest rate is used for regular assets when money is borrowed (negative balance) versus when money is invested (positive balance).


We use cookies to deliver the best user experience and improve our site.