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IRA Planning Software for Financial Advisors

Model Roth conversions, Inherited IRA distributions, and RMDs with year-by-year clarity your clients can trust. Powered by Break Analytics, our advanced IRA software built for financial planners.

Optimize Roth Conversions
Avoid 25% Penalty Tax
Advanced RMD Planning

Simplify IRA
Rules

From IRS regs to real-world application— RMDs made simple

Smarter Roth
Conversions

Multi-year scenarios with taxes,
IRMAA & inflation in mind

Inherited IRA
Confidence

Turn SECURE Act complexity
into client clarity

Tax-Aware
Distribution Planning

Minimize taxes proactively
with QCD modeling

Prospecting
Power

Convert “what if’s” into
persuasive, client ready reports

Built for
Busy Teams

Cloud-based, no
spreadsheets, no guesswork

Built for today’s advisor challenges

  • Complex IRS Rules
  • Regulatory Compliance Burden
  • Insufficient back-office support
  • Great Wealth Transfer

Frequently Asked Questions

How can I simplify Required Minimum Distribution (RMD) calculations for clients?

Fin CW’s IRA Planning Software streamlines RMD planning with year-by-year clarity, factoring in IRS regulations, client age, and account types. Advisors can generate intuitive reports that demystify RMDs and reduce compliance risk—no spreadsheets required.

What’s the best way to model Roth IRA conversions across multiple years?

Fin CW enables multi-year Roth conversion scenarios with built-in tax, IRMAA, and inflation modeling. Advisors can compare outcomes side-by-side and identify optimal conversion windows to minimize tax impact and maximize retirement income.

How do I navigate Inherited IRA rules under the SECURE Act?

Fin CW turns SECURE Act complexity into client-ready clarity. Our software supports Inherited IRA distribution strategies, including 10-year rule modeling and automatically identifying beneficiary types—all in a visual format clients understand.

Can I proactively plan tax-efficient IRA distributions for clients?

Yes. Fin CW’s tax-aware distribution planning tools help advisors minimize taxes using strategies like Qualified Charitable Distributions (QCDs), bracket ride, and timing distributions to reduce IRMAA surcharges. It’s proactive planning made practical.

How does Fin CW support IRA planning for busy advisor teams?

Fin CW is built for scale—cloud-based, spreadsheet-free, and designed for collaboration. Advisors can generate educational client reports in minutes, saving valuable prep time by automating RMD calculations, beneficiary analysis, and personalized IRA insights—all in a format clients can easily understand.