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IRA Planning Software for Financial Advisors

Your Clients’ IRA Questions Deserve Better Than a Spreadsheet

Break Analytics, an IRA planning tool, turns complex IRA questions into clear, defensible answers — and the client-ready reports to back them up.

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Inherited IRA distributions
Roth conversion modeling
RMD & QCD planning
Free CE Webinars
PV Comparative Summary
Balances, Taxes & Fees,
Net Spending & QCD
No Conversion
2053
+ / –
Conversion
2053
Net Traditional IRA
787,816
(787,816)
0
Roth IRA
0
2,137,056
2,137,056
Savings
1,012,091
(931,395)
80,696
Taxes
168,604
172,079
340,683
Roth Conversion SS Taxes & IRMAA Fees Impact
0
(18,336)
(18,336)
Net Spending
0
0
0
QCD Activity
0
0
0
NPV CV
1,799,907
399,509
2,199,416
SS Tax &
IRMAA -$18K Hidden costs of converting
Taxes to Convert $340K Full cost, before you decide
Roth
at Death $2.1M Tax-free legacy left behind
Advisors use us for
Inherited IRA distributions Roth conversion modeling RMD calculations QCD planning SECURE Act compliance IRMAA impact analysis 10-year distribution rules Beneficiary planning
The questions advisors can’t afford to get wrong

If Your Client Has an IRA, These Questions Are Coming

The three most common — and most costly — IRA planning situations advisors face every day.

How do I navigate Inherited IRA rules for my client’s beneficiaries?

Post-SECURE Act inherited IRA rules are complex — beneficiary classification, the 10-year rule, and annual RMD requirements vary by situation. One wrong move triggers a 25% excise tax. Break Analytics models every scenario automatically.

Explore Inherited IRA Planning →
What’s the optimal Roth conversion strategy — and what will it really cost?

Multi-year Roth conversions require balancing tax brackets, IRMAA thresholds, Social Security timing, and inflation. Break Analytics models each year side-by-side so you can show clients the true net-tax picture before they decide.

Explore Roth Conversion Planning →
How can my client use QCDs to reduce their RMD tax burden?

Qualified Charitable Distributions allow clients 70½+ to give directly from their IRA — satisfying RMD requirements tax-free. The 2026 QCD limit is $111,000. Break Analytics models the lifetime tax savings so the conversation sells itself.

Explore QCD & RMD Planning →
Year by year — not just the summary

Help Your Clients See the Road Ahead — Not Just the Destination

No one can predict exactly what tax laws will look like in the future. But advisors who can show clients a reasonable projection of what to expect — year by year — build a very different kind of trust than those who can’t.

Break Analytics models the plan based on current rules, today’s assumptions, and your client’s actual numbers. It’s a clear-eyed look at the road ahead — and a starting point for every conversation that follows.

Activity
2026
2027
2028
2029
2030
T-IRA Starting Balance
700,000
497,882
290,850
79,362
74,123
Earnings & Contributions
42,000
29,873
17,451
4,762
4,447
RC, RMD & QCD
244,118
236,906
228,939
10,000
10,000
Net Spending
0
0
0
0
0
RC (Taxes by Savings)
216,667
216,667
216,667
0
0
T-IRA Ending Balance
497,882
290,850
79,362
74,123
68,571
Roth IRA Starting Balance
0
216,667
446,333
689,780
731,167
RC, Earnings & Contributions
216,667
229,667
243,447
41,387
43,870
Spending
0
0
0
0
0
Roth IRA Ending Balance
216,667
446,333
689,780
731,167
775,037
Savings Starting Balance
300,000
265,536
225,928
180,497
189,326
Net Earnings & RMD
31,515
22,877
13,408
8,830
9,423
Spending
0
0
0
0
0
T-IRA Taxes (RC & Other)
65,980
62,484
58,840
0
0
Savings Ending Balance
265,536
225,928
180,497
189,326
198,749
RC SSI Tax &
IRMAA Fee Impact
(1,765)
(1,685)
(7,919)
(5,751)
(5,564)
NPV CV
861,799
863,012
861,099
864,627
868,575
Snapshot
2028
Year in review
SS Tax & IRMAA
-$7,919
2028 Impact
Conversion Taxes
$58K
2028 Tax Bill
Roth Balance
$689K
Growing tax-free
Built for how you work

One Platform. Every IRA Planning Scenario.

Whether you’re a financial advisor, CPA, or estate attorney — if IRA decisions are part of your practice, Break Analytics was built for you.

Independent RIA

Your edge is your expertise. Show it.

RIAs who use Break Analytics deliver analysis their clients can’t get anywhere else.

  • Run Roth conversion scenarios live in client meetings
  • Model Inherited IRA options across all beneficiary types
  • Show IRMAA and Social Security impact side-by-side
  • Generate client-ready reports in minutes
  • Cloud-based — works on any device, no installation
Broker-Dealer Advisor

Complex IRA rules. Clear client answers.

BD advisors use Break Analytics to stay ahead of compliance and navigate the Great Wealth Transfer.

  • Master SECURE Act beneficiary rules with confidence
  • Avoid the 25% excise tax on missed Inherited IRA RMDs
  • Model QCD strategies for clients 70½ and older
  • Distribution Smoothing™ to minimize tax exposure
  • IRS threshold updates built in — always current
Tax & Estate Professionals

The IRA layer your tax work has been missing.

Use Break Analytics to model the qualified asset side of the plan — where the biggest tax decisions live.

  • Model Roth conversions alongside your broader tax strategy
  • Expertly evaluate Inherited IRA options for estates
  • Illustrate how QCDs reduce AGI and taxable income
  • Support referral partners with client-ready IRA reports
  • Stay current on SECURE Act and IRS final regulations
Getting started

Up and Running in One Session

1

Request a personalized demo

We’ll walk you through Break Analytics live using your actual client scenarios — Inherited IRA distributions, Roth conversions, RMD timing, QCDs. You’ll see exactly how it works before you commit to anything.

2

Scale IRA expertise across your team

Built so anyone on your team can produce a correct, client-ready IRA analysis. No IRS code memorization. No spreadsheets. No back-office bottleneck. Cloud-based, any device, up and running the same day.

3

Client-ready reports in minutes

Enter client information, run the scenario, and provide a report they can actually understand. What used to take hours of research and calculations now takes minutes — with transparent assumptions and defensible outputs you can stand behind.

Frequently asked questions

What Advisors Ask Before Getting Started

How does Break Analytics handle Inherited IRA RMD calculations under the SECURE Act?
Break Analytics automatically classifies beneficiaries — Eligible Designated Beneficiaries, Designated Beneficiaries, and Non-Designated Beneficiaries — and applies the correct distribution rules for each. The platform models the 10-year rule, life expectancy distributions, and annual RMD requirements, with the final IRS regulations built in.
Can I use Break Analytics to calculate distributions for an Inherited IRA?
Yes — calculating Inherited IRA distributions is a core function of Break Analytics. The platform supports the pre- and post-SECURE Act rules for Inherited Traditional and Inherited Roth IRAs including the 10-year rule and life expectancy distributions. It determines when annual RMDs are necessary — and when they are not — and models distribution strategies accordingly. It also includes our proprietary Distribution Smoothing™ feature, which helps minimize tax exposure over the 10-year distribution window.
How does Roth conversion planning software help financial advisors?
Roth conversion planning software helps financial advisors model and compare multi-year conversion strategies, including the tax impact across federal and state income tax, IRMAA surcharges, Social Security taxation, and inflation. Unlike basic IRA calculators, Break Analytics provides transparent assumptions and rule-based modeling, so advisors can explain and defend every recommendation with clients.
How does Break Analytics support Roth conversion planning for advisors?
Break Analytics is Roth conversion planning software for financial advisors. It models multi-year conversion strategies across federal and state tax, IRMAA, Social Security, and inflation assumptions. The platform shows when and how much to convert each year to minimize lifetime tax exposure — without memorizing pages of Internal Revenue Code.
What is the QCD limit for 2026, and how do I model it for clients?
The 2026 Qualified Charitable Distribution (QCD) limit is $111,000 per individual. Break Analytics models QCDs as part of a client’s RMD strategy — showing the lifetime tax impact of directing IRA funds to charity instead of taking a taxable distribution. QCD limits are updated annually so your analysis stays current.
How does Break Analytics handle RMD calculations for IRA owners?
Break Analytics calculates Required Minimum Distributions (RMDs) for Traditional IRAs by applying IRS rules based on the client’s age, whether a spouse is the sole primary beneficiary, the applicable life expectancy table, and year-end account value. It produces clear, client-ready outputs without manual calculation or spreadsheets, helping advisors explain required distributions with confidence.
Do I need to know IRA tax rules to use Break Analytics?
No — that’s the point. Break Analytics is built so any member of your team can run a client scenario correctly without memorizing pages of Internal Revenue Code. The platform handles beneficiary classification, RMD rules, SECURE Act requirements, and tax calculations automatically. You bring the client. We handle the complexity.
Start here instead

Not Ready for a Demo?

Explore our case studies, fact sheets, and planning frameworks — built for advisors who want to go deeper before they commit.

Case Study
The $2M Inherited IRA Mistake

See what happens when Inherited IRA distributions are mishandled — and how advisors protect clients from a costly error.

Read the case study → Case Study
The QCD Advantage

A real client scenario showing how a QCD strategy saved thousands in taxes and simplified RMD planning.

Read the case study → Solution
Smarter Roth Conversion Planning

Multi-year Roth conversion modeling with full tax, IRMAA, and inflation impact built in.

Learn more → Solution
Inherited IRA Navigator

Navigate post-SECURE Act Inherited IRA rules across every beneficiary type with client-ready scenarios.

Learn more → Video
Roth Conversions: The Good, The Bad, The Ugly

A 20-minute walkthrough of the platform with real people and real scenarios — a good place to start before your demo.

Watch now → Free CE
Upcoming Webinars & IRA Navigation Series

Free CE webinars and short weekly sessions on IRA strategy, tax planning, and Break Analytics.

See upcoming events →
Break Analytics

Ready to See the Numbers That Change the Conversation?

Request a demo and we’ll walk you through Break Analytics live — showing how it handles your specific client scenarios from start to report.

Request a Demo View Pricing

Questions? Call 800.766.7327 or email sails@fincw.com