A SaaS planning tool that ingests account balances, income projections, and life goals to automatically compute optimal multi-year Roth conversion ladders, 72(t) SEPP strategies, and withdrawal sequences. Users get year-by-year action plans showing tax savings, IRMAA impacts, and early-access bridges, with scenario comparisons for retiring at 40, 50, or 60.

Rising interest in FIRE, recent tax law changes (SECURE 2.0, CGT adjustments), and growing distrust of the traditional 40-year retirement timeline are pushing high-earners to seek sophisticated planning tools that financial advisors charge $3K-10K to produce manually.