Pre-RMD Couple
63, single — large IRA, convert before RMDs
+$282KModeled value add vs. baseline
A modeled case study of a 63-year-old approaching RMD age, comparing conversion-and-sequencing strategies before required distributions begin.
Optimizing Income & Legacy
Retirement Income, RMDs, and IRMAA: Optimizing Your Decumulation Plan
Once you are retired, the decisions shift from "how much to save" to "how to draw it down without giving more to taxes than necessary." Praxion models RMD timing, withdrawal order, and IRMAA bracket exposure across the decades you have left.
Three decisions Praxion models for you
RMD strategy and QCDs
Required minimum distributions start at 73 for many retirees today. QCDs can offset income for charitably inclined plans. Praxion projects RMDs year by year against your other income.
Withdrawal order under IRMAA brackets
Drawing from taxable, traditional, and Roth accounts in the wrong order can push you past IRMAA cliffs and add to lifetime taxes. Praxion compares ordering strategies on matched simulations.
Surviving-spouse tax cliff and legacy planning
Moving from joint to single filing can roughly double effective marginal rates on the same income. Praxion projects the surviving-spouse tax line and the after-tax estate value.
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.
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