High Traditional IRA
62, large tax-deferred balance
+$411KModeled value add vs. baseline
A modeled case study of a 62-year-old with a large tax-deferred balance facing the final Roth window.
Crossing the Bridge
Retirement Planning 0–5 Years Out: Final Roth Window, Social Security Claiming, and Medicare/IRMAA
The five years before retirement are when decisions about Roth conversions, Social Security timing, and Medicare enrollment can have the largest effect on your lifetime income and taxes. Praxion helps you see how each decision interacts before you commit.
Three decisions Praxion models for you
Final Roth conversion window
The years between leaving work and starting RMDs are often the lowest-tax years of retirement. Praxion models how much to convert and when, year by year.
Social Security claiming: 62, FRA, or 70
Delaying benefits raises lifetime income for many planners but can leave low-tax years on the table for conversions. Praxion compares the timing trade-offs side by side.
Medicare enrollment and IRMAA setup
Income decisions two years before Medicare enrollment can push you into higher Part B and Part D surcharges. Praxion flags IRMAA cliffs before you cross them.
A modeled outcome for your stage
Monte Carlo + tax-aware withdrawal sequencing on your numbers.
Modeled output based on assumptions — not a guarantee of results. Consult a CFP®, CPA, or other licensed financial professional. Full disclaimer →
Praxion is planning software, not an asset manager. Use it to bring better questions to your CPA, CFP, or estate attorney.
Built to fit alongside your advisor — not replace them.
- Modeling you can bring to your next advisor meeting.
- We don’t manage assets.
- No advisor referral fees.
Ready to model your plan?
Free, no account required, no bank linking. ~2 minutes to a personalized projection.
Model Your Bridge